This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, BHATKAL branch in BHATKAL. The 11-digit IFSC UTIB0002496 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 BHATKAL 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.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Axis Bank – BHATKAL is UTIB0002496. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002496 map to this branch in BHATKAL, KARNATAKA.
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Bhatkal branch — IFSC UTIB0002496 — extends the bank's services to customers in and around Bhatkal, Karnataka.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Bhatkal |
| IFSC Code | UTIB0002496 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NEAR NEW ENGLISH SCHOOL,BANDAR ROAD BHATKAL,PIN 581320 |
| City | Bhatkal |
| District | Uttara Kannada |
| State | Karnataka |
| STD Code | 8385 |
| Phone | 222807 |
About the Bhatkal branch
The Bhatkal branch of Axis Bank is situated at NEAR NEW ENGLISH SCHOOL,BANDAR ROAD BHATKAL,PIN 581320. 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 UTIB0002496 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 BHATKAL branch came to be assigned the code UTIB0002496.
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 UTIB0002496, money simply cannot be routed to the BHATKAL branch electronically.
Products and account variants supported
Every account opened at the Bhatkal branch is mapped to IFSC UTIB0002496 on the RBI payments network. The branch generally supports the full retail product catalogue of Axis Bank, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains UTIB0002496.
Products and services
Customers walking into the Bhatkal 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 UTIB0002496
How to transfer money using IFSC UTIB0002496
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 UTIB0002496 across all three.
NEFT to Axis Bank, BHATKAL using IFSC UTIB0002496
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 UTIB0002496, and confirm that the system picks up Axis Bank – BHATKAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0002496
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 – BHATKAL, ensure your bank's portal accepts IFSC UTIB0002496 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – BHATKAL, use IMPS. With IFSC UTIB0002496 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 UTIB0002496 for Axis Bank – BHATKAL, 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 – UTIB0002496 | Yes – UTIB0002496 | Yes – UTIB0002496 |
For most retail customers crediting the Bhatkal 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 BHATKAL branch, the IFSC UTIB0002496 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.
Digital banking channels
Most day-to-day work that customers used to do at the Bhatkal 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 UTIB0002496 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.
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 UTIB0002496 and the account number together uniquely identify the Bhatkal branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – BHATKAL:
- The IFSC is exactly UTIB0002496 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 BHATKAL 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 Bhatkal branch sits at NEAR NEW ENGLISH SCHOOL,BANDAR ROAD BHATKAL,PIN 581320. If you are travelling from outside Bhatkal, search for the branch on a maps application using the bank name and locality, or call 8385-222807 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 UTIB0002496 and your account number.
Verifying IFSC UTIB0002496 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm UTIB0002496 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8385-222807.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Bhatkal 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 UTIB0002496 continue to work without interruption.
Branch address & contact
Axis BankBhatkal Branch
NEAR NEW ENGLISH SCHOOL,BANDAR ROAD BHATKAL,PIN 581320
Bhatkal, Karnataka
Phone: 8385-222807
IFSC: UTIB0002496
Frequently asked questions
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 Bhatkal branch but serve different purposes.
How quickly will an NEFT transfer using UTIB0002496 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Bhatkal reflect within 30 minutes.
Can I use IFSC UTIB0002496 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0002496 to send funds instantly.
Is IFSC UTIB0002496 valid for NEFT and RTGS?
Yes. IFSC UTIB0002496 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Axis Bank Bhatkal branch located?
Axis Bank's Bhatkal branch is located at NEAR NEW ENGLISH SCHOOL,BANDAR ROAD BHATKAL,PIN 581320, Bhatkal, Karnataka.
What is the phone number of Axis Bank Bhatkal branch?
You can reach the branch at 8385-222807 during regular banking hours.
Does Axis Bank Bhatkal branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 8385-222807 to confirm.
How do I add Axis Bank Bhatkal as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0002496, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code UTIB0002496 belongs to Axis Bank's BHATKAL branch, located at NEAR NEW ENGLISH SCHOOL,BANDAR ROAD BHATKAL,PIN 581320 in BHATKAL, KARNATAKA. 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.
