Use this page as a one-stop reference for everything related to Axis Bank's CHIRANG branch in BIJNI, ASSAM. The branch's IFSC code UTIB0003874 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.
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 CHIRANG branch, the IFSC UTIB0003874 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 003874 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 Chirang branch in Bijni, Assam is part of this network and uses the IFSC code UTIB0003874 for all electronic settlement.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Chirang |
| IFSC Code | UTIB0003874 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BAZAR ROAD, WARD NO 4, BIJNI, DIST CHIRANG, ASSAM 783390 |
| City | Bijni |
| District | Chirang |
| State | Assam |
| STD Code | 3668 |
| Phone | 284035 |
About this branch
The branch is located at BAZAR ROAD, WARD NO 4, BIJNI, DIST CHIRANG, ASSAM 783390. It serves the Bijni 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 UTIB0003874 is used to identify this branch on the RBI payments network.
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 CHIRANG branch came to be assigned the code UTIB0003874.
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 UTIB0003874, money simply cannot be routed to the CHIRANG branch electronically.
Account types you can open at the Chirang branch
Once you have an account at Axis Bank – CHIRANG, the IFSC UTIB0003874 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.
Banking services available
The Chirang branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 3668-284035.
- 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 UTIB0003874
How to transfer money using IFSC UTIB0003874
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 UTIB0003874 across all three.
How to use IFSC UTIB0003874 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's CHIRANG 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 UTIB0003874.
- Confirm the bank name auto-populates as Axis Bank and the branch as CHIRANG.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UTIB0003874
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 – CHIRANG, ensure your bank's portal accepts IFSC UTIB0003874 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Axis Bank CHIRANG (IFSC UTIB0003874)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0003874 in your mobile or internet banking app, and the money is credited to the CHIRANG branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0003874 for Axis Bank – CHIRANG, 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 – UTIB0003874 | Yes – UTIB0003874 | Yes – UTIB0003874 |
For most retail customers crediting the Chirang 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 CHIRANG branch, the IFSC UTIB0003874 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.
Online banking and IFSC UTIB0003874
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the CHIRANG 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 UTIB0003874 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 UTIB0003874 and the account number together uniquely identify the Chirang 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 – CHIRANG:
- The IFSC is exactly UTIB0003874 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 CHIRANG 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 Chirang branch
The branch is located at BAZAR ROAD, WARD NO 4, BIJNI, DIST CHIRANG, ASSAM 783390, which puts it inside Bijni, the broader Chirang district, and the state of Assam. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Chirang branch” — the verified location pin for IFSC UTIB0003874 should appear at the top of the results.
- Confirm the branch is open by calling 3668-284035 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 UTIB0003874 and your account number.
Verifying IFSC UTIB0003874 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 UTIB0003874 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 3668-284035.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Chirang 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 UTIB0003874 continue to work without interruption.
Branch address & contact
Axis BankChirang Branch
BAZAR ROAD, WARD NO 4, BIJNI, DIST CHIRANG, ASSAM 783390
Bijni, Assam
Phone: 3668-284035
IFSC: UTIB0003874
Frequently asked questions
Is IFSC UTIB0003874 valid for NEFT and RTGS?
Yes. IFSC UTIB0003874 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC UTIB0003874 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0003874 to send funds instantly.
How quickly will an NEFT transfer using UTIB0003874 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Chirang 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 Chirang branch but serve different purposes.
Where is Axis Bank Chirang branch located?
Axis Bank's Chirang branch is located at BAZAR ROAD, WARD NO 4, BIJNI, DIST CHIRANG, ASSAM 783390, Bijni, Assam.
What is the IFSC code of Axis Bank Chirang branch?
The IFSC code of Axis Bank, Chirang branch is UTIB0003874. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UTIB0003874 the same for all accounts at Chirang branch?
Yes. The IFSC UTIB0003874 is shared by every account held at Axis Bank's Chirang branch. Only the account number changes from customer to customer.
Summary
The IFSC code UTIB0003874 belongs to Axis Bank's CHIRANG branch, located at BAZAR ROAD, WARD NO 4, BIJNI, DIST CHIRANG, ASSAM 783390 in BIJNI, ASSAM. 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.
