This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, BHANVAD branch in BHANVAD. The 11-digit IFSC UTIB0003904 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 BHANVAD 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, UTIB0003904 is the IFSC of Axis Bank's BHANVAD branch. The format is fixed: UTIB = bank code, 0 = reserved, 003904 = branch identifier.
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Bhanvad branch — IFSC UTIB0003904 — extends the bank's services to customers in and around Bhanvad, Gujarat.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Bhanvad |
| IFSC Code | UTIB0003904 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR DR VAROTRIA HOSPITAL OUTSIDE VERAD NAKA |
| City | Bhanvad |
| District | Devbhoomi Dwarka |
| State | Gujarat |
| STD Code | 2896 |
| Phone | 232723 |
About the Bhanvad branch
The Bhanvad branch of Axis Bank is situated at GROUND FLOOR DR VAROTRIA HOSPITAL OUTSIDE VERAD NAKA. 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 UTIB0003904 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 BHANVAD branch came to be assigned the code UTIB0003904.
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 UTIB0003904, money simply cannot be routed to the BHANVAD branch electronically.
Account types you can open at the Bhanvad branch
Once you have an account at Axis Bank – BHANVAD, the IFSC UTIB0003904 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 Bhanvad 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 UTIB0003904
How to transfer money using IFSC UTIB0003904
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 UTIB0003904 across all three.
NEFT to Axis Bank, BHANVAD using IFSC UTIB0003904
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 UTIB0003904, and confirm that the system picks up Axis Bank – BHANVAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BHANVAD
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's BHANVAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0003904 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank BHANVAD (IFSC UTIB0003904)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0003904 in your mobile or internet banking app, and the money is credited to the BHANVAD branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0003904 for Axis Bank – BHANVAD, 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 – UTIB0003904 | Yes – UTIB0003904 | Yes – UTIB0003904 |
For most retail customers crediting the Bhanvad 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 BHANVAD branch, the IFSC UTIB0003904 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.
Online banking and IFSC UTIB0003904
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the BHANVAD branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC UTIB0003904 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Axis Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC UTIB0003904 and the account number together uniquely identify the Bhanvad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC UTIB0003904
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Axis Bank – BHANVAD, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
UTIB0003904. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
How to reach the Bhanvad branch
The branch is located at GROUND FLOOR DR VAROTRIA HOSPITAL OUTSIDE VERAD NAKA, which puts it inside Bhanvad, the broader Devbhoomi Dwarka district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Bhanvad branch” — the verified location pin for IFSC UTIB0003904 should appear at the top of the results.
- Confirm the branch is open by calling 2896-232723 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 UTIB0003904 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0003904 for Axis Bank – BHANVAD, 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 Bhanvad 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 UTIB0003904 continue to work without interruption.
Branch address & contact
Axis BankBhanvad Branch
GROUND FLOOR DR VAROTRIA HOSPITAL OUTSIDE VERAD NAKA
Bhanvad, Gujarat
Phone: 2896-232723
IFSC: UTIB0003904
Frequently asked questions
How do I add Axis Bank Bhanvad as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0003904, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Axis Bank Bhanvad branch located?
Axis Bank's Bhanvad branch is located at GROUND FLOOR DR VAROTRIA HOSPITAL OUTSIDE VERAD NAKA, Bhanvad, Gujarat.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Bhanvad branch but serve different purposes.
What is the phone number of Axis Bank Bhanvad branch?
You can reach the branch at 2896-232723 during regular banking hours.
What is the IFSC code of Axis Bank Bhanvad branch?
The IFSC code of Axis Bank, Bhanvad branch is UTIB0003904. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using UTIB0003904 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Bhanvad reflect within 30 minutes.
Is IFSC UTIB0003904 valid for NEFT and RTGS?
Yes. IFSC UTIB0003904 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code UTIB0003904 belongs to Axis Bank's BHANVAD branch, located at GROUND FLOOR DR VAROTRIA HOSPITAL OUTSIDE VERAD NAKA in BHANVAD, GUJARAT. 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.
