Below are the complete branch details for Axis Bank, BIDYADHARPUR branch, located in BIDYADHARPUR, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0003174. 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 UTIB0003174 for Axis Bank – BIDYADHARPUR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, UTIB0003174 is the IFSC of Axis Bank's BIDYADHARPUR branch. The format is fixed: UTIB = bank code, 0 = reserved, 003174 = branch identifier.
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Bidyadharpur branch — IFSC UTIB0003174 — extends the bank's services to customers in and around Bidyadharpur, Odisha.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Bidyadharpur |
| IFSC Code | UTIB0003174 |
| MICR Code | Refer to cheque leaf |
| Branch Address | FIRST FLOOR PLOT NO 12881751 BIDYADHARPUR NAYABAZAR CHAULIAHANJ CUTTACK ODISHA PIN 753004 |
| City | Bidyadharpur |
| District | Keonjhar |
| State | Odisha |
| STD Code | 91 |
| Phone | 9937199177 |
About the Bidyadharpur branch
The Bidyadharpur branch of Axis Bank is situated at FIRST FLOOR PLOT NO 12881751 BIDYADHARPUR NAYABAZAR CHAULIAHANJ CUTTACK ODISHA PIN 753004. 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 UTIB0003174 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 BIDYADHARPUR branch came to be assigned the code UTIB0003174.
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 UTIB0003174, money simply cannot be routed to the BIDYADHARPUR branch electronically.
Products and account variants supported
Every account opened at the Bidyadharpur branch is mapped to IFSC UTIB0003174 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 UTIB0003174.
Products and services
Customers walking into the Bidyadharpur 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 UTIB0003174
How to transfer money using IFSC UTIB0003174
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 UTIB0003174 across all three.
How to use IFSC UTIB0003174 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's BIDYADHARPUR 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 UTIB0003174.
- Confirm the bank name auto-populates as Axis Bank and the branch as BIDYADHARPUR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UTIB0003174
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 – BIDYADHARPUR, ensure your bank's portal accepts IFSC UTIB0003174 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Axis Bank BIDYADHARPUR (IFSC UTIB0003174)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0003174 in your mobile or internet banking app, and the money is credited to the BIDYADHARPUR branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Bidyadharpur
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 UTIB0003174:
- 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 BIDYADHARPUR is still linked to IFSC UTIB0003174.
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 UTIB0003174
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 – BIDYADHARPUR is still mapped to IFSC UTIB0003174. 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 UTIB0003174 and the beneficiary's account number to complete the transfer.
Online banking and IFSC UTIB0003174
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the BIDYADHARPUR 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 UTIB0003174 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 UTIB0003174 and the account number together uniquely identify the Bidyadharpur 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 – BIDYADHARPUR:
- The IFSC is exactly UTIB0003174 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 BIDYADHARPUR 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 Bidyadharpur branch
The branch is located at FIRST FLOOR PLOT NO 12881751 BIDYADHARPUR NAYABAZAR CHAULIAHANJ CUTTACK ODISHA PIN 753004, which puts it inside Bidyadharpur, the broader Keonjhar district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Bidyadharpur branch” — the verified location pin for IFSC UTIB0003174 should appear at the top of the results.
- Confirm the branch is open by calling 91-9937199177 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 UTIB0003174 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0003174 for Axis Bank – BIDYADHARPUR, 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.
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 Bidyadharpur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0003174, however, work 24x7.
Branch address & contact
Axis BankBidyadharpur Branch
FIRST FLOOR PLOT NO 12881751 BIDYADHARPUR NAYABAZAR CHAULIAHANJ CUTTACK ODISHA PIN 753004
Bidyadharpur, Odisha
Phone: 91-9937199177
IFSC: UTIB0003174
Frequently asked questions
What is the phone number of Axis Bank Bidyadharpur branch?
You can reach the branch at 91-9937199177 during regular banking hours.
How quickly will an NEFT transfer using UTIB0003174 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Bidyadharpur reflect within 30 minutes.
How do I add Axis Bank Bidyadharpur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0003174, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Axis Bank Bidyadharpur branch located?
Axis Bank's Bidyadharpur branch is located at FIRST FLOOR PLOT NO 12881751 BIDYADHARPUR NAYABAZAR CHAULIAHANJ CUTTACK ODISHA PIN 753004, Bidyadharpur, Odisha.
Is IFSC UTIB0003174 the same for all accounts at Bidyadharpur branch?
Yes. The IFSC UTIB0003174 is shared by every account held at Axis Bank's Bidyadharpur branch. Only the account number changes from customer to customer.
Is IFSC UTIB0003174 valid for NEFT and RTGS?
Yes. IFSC UTIB0003174 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Bidyadharpur branch but serve different purposes.
Can I use IFSC UTIB0003174 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0003174 to send funds instantly.
Summary
The IFSC code UTIB0003174 belongs to Axis Bank's BIDYADHARPUR branch, located at FIRST FLOOR PLOT NO 12881751 BIDYADHARPUR NAYABAZAR CHAULIAHANJ CUTTACK ODISHA… in BIDYADHARPUR, 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.
