This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, KARAMCHARI NAGAR branch in BAREILLY. The 11-digit IFSC UTIB0005193 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Axis Bank at the KARAMCHARI NAGAR location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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, UTIB0005193 is the IFSC of Axis Bank's KARAMCHARI NAGAR branch. The format is fixed: UTIB = bank code, 0 = reserved, 005193 = branch identifier.
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Karamchari Nagar branch in Bareilly. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UTIB0005193.
About this branch
The branch is located at FIRST FLOOR PLOT NO 111 PART OF KHASRA NO 585 584 583 582 586 2 507 3 581 561 563 568 534 AND 535 SAIDPUR HAWKNIS SEWADHAM COLONY BAREILLY UTTAR PRADESH 243502. It serves the Bareilly region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Axis Bank. The IFSC UTIB0005193 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Karamchari Nagar |
| IFSC Code | UTIB0005193 |
| MICR Code | Refer to cheque leaf |
| Branch Address | FIRST FLOOR PLOT NO 111 PART OF KHASRA NO 585 584 583 582 586 2 507 3 581 561 563 568 534 AND 535 SAIDPUR HAWKNIS SEWADHAM COLONY BAREILLY UTTAR PRADESH 243502 |
| City | Bareilly |
| District | Bareilly |
| State | Uttar Pradesh |
| STD Code | 581 |
| Phone | 8864979700 |
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 KARAMCHARI NAGAR branch came to be assigned the code UTIB0005193.
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 UTIB0005193, money simply cannot be routed to the KARAMCHARI NAGAR branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Karamchari Nagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0005193 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC UTIB0005193
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 UTIB0005193 across all three.
NEFT to Axis Bank, KARAMCHARI NAGAR using IFSC UTIB0005193
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC UTIB0005193, and confirm that the system picks up Axis Bank – KARAMCHARI NAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0005193
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Axis Bank – KARAMCHARI NAGAR, ensure your bank's portal accepts IFSC UTIB0005193 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – KARAMCHARI NAGAR, use IMPS. With IFSC UTIB0005193 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 UTIB0005193 for Axis Bank – KARAMCHARI NAGAR, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – UTIB0005193 | Yes – UTIB0005193 | Yes – UTIB0005193 |
For most retail customers crediting the Karamchari Nagar 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 KARAMCHARI NAGAR branch, the IFSC UTIB0005193 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 Karamchari Nagar branch
Once you have an account at Axis Bank – KARAMCHARI NAGAR, the IFSC UTIB0005193 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 Karamchari Nagar 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 UTIB0005193
Digital banking channels
Most day-to-day work that customers used to do at the Karamchari Nagar 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 UTIB0005193 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.
How to reach the Karamchari Nagar branch
The branch is located at FIRST FLOOR PLOT NO 111 PART OF KHASRA NO 585 584 583 582 586 2 507 3 581 561 563 568 534 AND 535 SAIDPUR HAWKNIS SEWADHAM COLONY BAREILLY UTTAR PRADESH 243502, which puts it inside Bareilly, the broader Bareilly district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Karamchari Nagar branch” — the verified location pin for IFSC UTIB0005193 should appear at the top of the results.
- Confirm the branch is open by calling 581-8864979700 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC UTIB0005193 and your account number.
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 – KARAMCHARI NAGAR:
- The IFSC is exactly UTIB0005193 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 KARAMCHARI NAGAR 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.
Working hours
Branch counters at Karamchari Nagar 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 UTIB0005193 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0005193 for Axis Bank – KARAMCHARI NAGAR, 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.
Branch address & contact
Axis BankKaramchari Nagar Branch
FIRST FLOOR PLOT NO 111 PART OF KHASRA NO 585 584 583 582 586 2 507 3 581 561 563 568 534 AND 535 SAIDPUR HAWKNIS SEWADHAM COLONY BAREILLY UTTAR PRADESH 243502
Bareilly, Uttar Pradesh
Phone: 581-8864979700
IFSC: UTIB0005193
Frequently asked questions
Where is Axis Bank Karamchari Nagar branch located?
Axis Bank's Karamchari Nagar branch is located at FIRST FLOOR PLOT NO 111 PART OF KHASRA NO 585 584 583 582 586 2 507 3 581 561 563 568 534 AND 535 SAIDPUR HAWKNIS SEWADHAM COLONY BAREILLY UTTAR PRADESH 243502, Bareilly, Uttar Pradesh.
Does Axis Bank Karamchari Nagar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 581-8864979700 to confirm.
What is the phone number of Axis Bank Karamchari Nagar branch?
You can reach the branch at 581-8864979700 during regular banking hours.
How quickly will an NEFT transfer using UTIB0005193 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Karamchari Nagar reflect within 30 minutes.
Is IFSC UTIB0005193 valid for NEFT and RTGS?
Yes. IFSC UTIB0005193 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC UTIB0005193 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0005193 to send funds instantly.
Is IFSC UTIB0005193 the same for all accounts at Karamchari Nagar branch?
Yes. The IFSC UTIB0005193 is shared by every account held at Axis Bank's Karamchari Nagar branch. Only the account number changes from customer to customer.
Summary
The IFSC code UTIB0005193 belongs to Axis Bank's KARAMCHARI NAGAR branch, located at FIRST FLOOR PLOT NO 111 PART OF KHASRA NO 585 584 583 582 586 2 507 3 581 561… in BAREILLY, UTTAR PRADESH. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
