IFSC Code of Axis Bank, Khagadapal Branch, Odisha

If you are searching for the IFSC code of Axis Bank, KHAGADAPAL branch in BALIAPAL, ODISHA, this page has every detail you need. The verified IFSC code for this branch is UTIB0002268. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the KHAGADAPAL branch, and detailed step-by-step guides for using the IFSC UTIB0002268 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, UTIB0002268 is the IFSC of Axis Bank's KHAGADAPAL branch. The format is fixed: UTIB = bank code, 0 = reserved, 002268 = branch identifier.

Branch details at a glance

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Khagadapal branch — IFSC UTIB0002268 — extends the bank's services to customers in and around Baliapal, Odisha.

About the Khagadapal branch

The Khagadapal branch of Axis Bank is situated at GROUND FLOOR, KHATA NO. 419/603, PLOT NO. 440/2553, MOUZA KHAGADAPAL, PS - BALIAPAL, VILL. KHAGADAPAL, DIST BALESHWAR, ORISSA, PIN- 756026. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code UTIB0002268 is used.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Axis Bank's KHAGADAPAL branch came to be assigned the code UTIB0002268.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC UTIB0002268, money simply cannot be routed to the KHAGADAPAL branch electronically.

How to transfer money using IFSC UTIB0002268

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC UTIB0002268 across all three.

How to use IFSC UTIB0002268 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's KHAGADAPAL branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UTIB0002268.
4. Confirm the bank name auto-populates as Axis Bank and the branch as KHAGADAPAL.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to KHAGADAPAL

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's KHAGADAPAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0002268 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Axis Bank – KHAGADAPAL, use IMPS. With IFSC UTIB0002268 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UTIB0002268 for Axis Bank – KHAGADAPAL, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Khagadapal branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Axis Bank's KHAGADAPAL branch, the IFSC UTIB0002268 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Account types you can open at the Khagadapal branch

Once you have an account at Axis Bank – KHAGADAPAL, the IFSC UTIB0002268 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Khagadapal branch can access most of Axis Bank's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC UTIB0002268

MICR & cheque-truncation details

Cheques drawn on the Khagadapal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0002268 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Khagadapal branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC UTIB0002268 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Axis Bank – KHAGADAPAL:

• The IFSC is exactly UTIB0002268 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Axis Bank as the bank name and KHAGADAPAL as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Reaching the branch

The Khagadapal branch sits at GROUND FLOOR, KHATA NO. 419/603, PLOT NO. 440/2553, MOUZA KHAGADAPAL, PS - BALIAPAL, VILL. KHAGADAPAL, DIST BALESHWAR, ORISSA, PIN- 756026. If you are travelling from outside Baliapal, search for the branch on a maps application using the bank name and locality, or call the branch contact number to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC UTIB0002268 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0002268 for Axis Bank – KHAGADAPAL, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Working hours

Branch counters at Khagadapal are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to UTIB0002268 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0002268 is the IFSC code of Axis Bank, KHAGADAPAL branch, in BALIAPAL, ODISHA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.