IFSC Code of Axis Bank, Raghunathpur Bhubaneswar Branch, Odisha

Below are the complete branch details for Axis Bank, RAGHUNATHPUR BHUBANESWAR branch, located in BHUBANESWAR, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0005365. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UTIB0005365 for Axis Bank – RAGHUNATHPUR BHUBANESWAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Axis Bank's RAGHUNATHPUR BHUBANESWAR branch, the IFSC UTIB0005365 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 005365 identifies this particular branch.

About the bank

Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Raghunathpur Bhubaneswar branch in Bhubaneswar, Odisha is part of this network and uses the IFSC code UTIB0005365 for all electronic settlement.

Branch details at a glance

About the Raghunathpur Bhubaneswar branch

The Raghunathpur Bhubaneswar branch of Axis Bank is situated at AXIS BANK LTD GROUND FLOOR NANDANKAN ROAD RAGHUNATHPUR BHUBANESWAR. 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 UTIB0005365 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 RAGHUNATHPUR BHUBANESWAR branch came to be assigned the code UTIB0005365.

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 UTIB0005365, money simply cannot be routed to the RAGHUNATHPUR BHUBANESWAR branch electronically.

Products and account variants supported

Every account opened at the Raghunathpur Bhubaneswar branch is mapped to IFSC UTIB0005365 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 UTIB0005365.

Banking services available

The Raghunathpur Bhubaneswar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 674-9861591177.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC UTIB0005365

How to transfer money using IFSC UTIB0005365

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 UTIB0005365 across all three.

How to use IFSC UTIB0005365 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's RAGHUNATHPUR BHUBANESWAR 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 UTIB0005365.
4. Confirm the bank name auto-populates as Axis Bank and the branch as RAGHUNATHPUR BHUBANESWAR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UTIB0005365

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 – RAGHUNATHPUR BHUBANESWAR, ensure your bank's portal accepts IFSC UTIB0005365 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Axis Bank – RAGHUNATHPUR BHUBANESWAR, use IMPS. With IFSC UTIB0005365 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Raghunathpur Bhubaneswar

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC UTIB0005365:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at RAGHUNATHPUR BHUBANESWAR is still linked to IFSC UTIB0005365.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC UTIB0005365

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Axis Bank – RAGHUNATHPUR BHUBANESWAR is still mapped to IFSC UTIB0005365. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC UTIB0005365 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UTIB0005365

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the RAGHUNATHPUR BHUBANESWAR 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 UTIB0005365 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 UTIB0005365 and the account number together uniquely identify the Raghunathpur Bhubaneswar 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 – RAGHUNATHPUR BHUBANESWAR:

• The IFSC is exactly UTIB0005365 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 RAGHUNATHPUR BHUBANESWAR 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.

How to reach the Raghunathpur Bhubaneswar branch

The branch is located at AXIS BANK LTD GROUND FLOOR NANDANKAN ROAD RAGHUNATHPUR BHUBANESWAR, which puts it inside Bhubaneswar, the broader Khordha district, and the state of Odisha. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Raghunathpur Bhubaneswar branch” — the verified location pin for IFSC UTIB0005365 should appear at the top of the results.
2. Confirm the branch is open by calling 674-9861591177 before stepping out, especially around public holidays.
3. 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 UTIB0005365 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0005365 for Axis Bank – RAGHUNATHPUR BHUBANESWAR, 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 Raghunathpur Bhubaneswar 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 UTIB0005365 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0005365 belongs to Axis Bank's RAGHUNATHPUR BHUBANESWAR branch, located at AXIS BANK LTD GROUND FLOOR NANDANKAN ROAD RAGHUNATHPUR BHUBANESWAR in BHUBANESWAR, ODISHA. 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.