Use this page as a one-stop reference for everything related to Axis Bank's BHUNTAR branch in BHUNTAR, HIMACHAL PRADESH. The branch's IFSC code UTIB0005909 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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 – BHUNTAR is UTIB0005909. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 005909 map to this branch in BHUNTAR, HIMACHAL PRADESH.
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Bhuntar branch in Bhuntar, Himachal Pradesh is part of this network and uses the IFSC code UTIB0005909 for all electronic settlement.
About this branch
The branch is located at GROUND FLOOR, ROSHAN MULTIPLEX, NEAR HDFC BANK BHUNTAR, DISTRICT KULLU, HIMACHAL PRADESH. It serves the Bhuntar 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 UTIB0005909 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Bhuntar |
| IFSC Code | UTIB0005909 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, ROSHAN MULTIPLEX, NEAR HDFC BANK BHUNTAR, DISTRICT KULLU, HIMACHAL PRADESH |
| City | Bhuntar |
| District | Kullu |
| State | Himachal Pradesh |
| STD Code | 1902 |
| Phone | 9882107356 |
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 BHUNTAR branch came to be assigned the code UTIB0005909.
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 UTIB0005909, money simply cannot be routed to the BHUNTAR branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Bhuntar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0005909 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 UTIB0005909
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 UTIB0005909 across all three.
How to use IFSC UTIB0005909 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's BHUNTAR 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC UTIB0005909.
- Confirm the bank name auto-populates as Axis Bank and the branch as BHUNTAR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UTIB0005909
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 – BHUNTAR, ensure your bank's portal accepts IFSC UTIB0005909 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – BHUNTAR, use IMPS. With IFSC UTIB0005909 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 UTIB0005909 for Axis Bank – BHUNTAR, 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 – UTIB0005909 | Yes – UTIB0005909 | Yes – UTIB0005909 |
For most retail customers crediting the Bhuntar 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.
UPI payments and IFSC UTIB0005909
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 – BHUNTAR is still mapped to IFSC UTIB0005909. 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 UTIB0005909 and the beneficiary's account number to complete the transfer.
Account types you can open at the Bhuntar branch
Once you have an account at Axis Bank – BHUNTAR, the IFSC UTIB0005909 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 Bhuntar 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 UTIB0005909
Online banking and IFSC UTIB0005909
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the BHUNTAR 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 UTIB0005909 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.
Reaching the branch
The Bhuntar branch sits at GROUND FLOOR, ROSHAN MULTIPLEX, NEAR HDFC BANK BHUNTAR, DISTRICT KULLU, HIMACHAL PRADESH. If you are travelling from outside Bhuntar, search for the branch on a maps application using the bank name and locality, or call 1902-9882107356 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 UTIB0005909 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 – BHUNTAR:
- The IFSC is exactly UTIB0005909 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 BHUNTAR 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.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Bhuntar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0005909, however, work 24x7.
Verifying IFSC UTIB0005909 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 UTIB0005909 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1902-9882107356.
- Visiting the bank's official branch locator page.
Branch address & contact
Axis BankBhuntar Branch
GROUND FLOOR, ROSHAN MULTIPLEX, NEAR HDFC BANK BHUNTAR, DISTRICT KULLU, HIMACHAL PRADESH
Bhuntar, Himachal Pradesh
Phone: 1902-9882107356
IFSC: UTIB0005909
Frequently asked questions
What is the phone number of Axis Bank Bhuntar branch?
You can reach the branch at 1902-9882107356 during regular banking hours.
How quickly will an NEFT transfer using UTIB0005909 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Bhuntar reflect within 30 minutes.
Where is Axis Bank Bhuntar branch located?
Axis Bank's Bhuntar branch is located at GROUND FLOOR, ROSHAN MULTIPLEX, NEAR HDFC BANK BHUNTAR, DISTRICT KULLU, HIMACHAL PRADESH, Bhuntar, Himachal Pradesh.
Is IFSC UTIB0005909 valid for NEFT and RTGS?
Yes. IFSC UTIB0005909 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Axis Bank Bhuntar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0005909, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC UTIB0005909 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0005909 to send funds instantly.
Final notes
To recap: UTIB0005909 is the IFSC code of Axis Bank, BHUNTAR branch, in BHUNTAR, HIMACHAL PRADESH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
