This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, FOTDI branch in BHUJ. The 11-digit IFSC UTIB0002396 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 FOTDI 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.
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 FOTDI branch, the IFSC UTIB0002396 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 002396 identifies this particular branch.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Fotdi |
| IFSC Code | UTIB0002396 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, SHRI. SWAMINARAYAN TEMPLE, VILLAGE FOTDI, TALUKA BHUJ, DISTRICT KUTCH, GUJARAT, PIN 370 040 |
| City | Bhuj |
| District | Kachchh |
| State | Gujarat |
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Fotdi branch — IFSC UTIB0002396 — extends the bank's services to customers in and around Bhuj, Gujarat.
About this branch
The branch is located at GROUND FLOOR, SHRI. SWAMINARAYAN TEMPLE, VILLAGE FOTDI, TALUKA BHUJ, DISTRICT KUTCH, GUJARAT, PIN 370 040. It serves the Bhuj 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 UTIB0002396 is used to identify this branch on the RBI payments network.
Why every Axis Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including FOTDI of Axis Bank — its own 11-character IFSC. The code UTIB0002396 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC UTIB0002396 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC UTIB0002396
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 UTIB0002396 across all three.
NEFT to Axis Bank, FOTDI using IFSC UTIB0002396
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 UTIB0002396, and confirm that the system picks up Axis Bank – FOTDI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to FOTDI
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's FOTDI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0002396 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 – FOTDI, use IMPS. With IFSC UTIB0002396 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 UTIB0002396 for Axis Bank – FOTDI, 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 – UTIB0002396 | Yes – UTIB0002396 | Yes – UTIB0002396 |
For most retail customers crediting the Fotdi 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 FOTDI branch, the IFSC UTIB0002396 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.
Products and account variants supported
Every account opened at the Fotdi branch is mapped to IFSC UTIB0002396 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 UTIB0002396.
Banking services available
The Fotdi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.
- 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 UTIB0002396
MICR & cheque-truncation details
Cheques drawn on the Fotdi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0002396 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC UTIB0002396
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the FOTDI 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 UTIB0002396 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.
Common mistakes to avoid when using IFSC UTIB0002396
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 – FOTDI, 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:
UTIB0002396. - 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.
Reaching the branch
The Fotdi branch sits at GROUND FLOOR, SHRI. SWAMINARAYAN TEMPLE, VILLAGE FOTDI, TALUKA BHUJ, DISTRICT KUTCH, GUJARAT, PIN 370 040. If you are travelling from outside Bhuj, 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 UTIB0002396 and your account number.
Verifying IFSC UTIB0002396 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 UTIB0002396 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on the branch contact number.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Fotdi 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 UTIB0002396 continue to work without interruption.
Branch address & contact
Axis BankFotdi Branch
GROUND FLOOR, SHRI. SWAMINARAYAN TEMPLE, VILLAGE FOTDI, TALUKA BHUJ, DISTRICT KUTCH, GUJARAT, PIN 370 040
Bhuj, Gujarat
Phone: the branch contact number
IFSC: UTIB0002396
Frequently asked questions
Is IFSC UTIB0002396 the same for all accounts at Fotdi branch?
Yes. The IFSC UTIB0002396 is shared by every account held at Axis Bank's Fotdi branch. Only the account number changes from customer to customer.
What is the phone number of Axis Bank Fotdi branch?
You can reach the branch at the branch contact number during regular banking hours.
How quickly will an NEFT transfer using UTIB0002396 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Fotdi reflect within 30 minutes.
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 Fotdi branch but serve different purposes.
What is the IFSC code of Axis Bank Fotdi branch?
The IFSC code of Axis Bank, Fotdi branch is UTIB0002396. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Axis Bank Fotdi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0002396, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UTIB0002396 valid for NEFT and RTGS?
Yes. IFSC UTIB0002396 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Axis Bank Fotdi branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Summary
The IFSC code UTIB0002396 belongs to Axis Bank's FOTDI branch, located at GROUND FLOOR, SHRI. SWAMINARAYAN TEMPLE, VILLAGE FOTDI, TALUKA BHUJ, … in BHUJ, 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.
