Use this page as a one-stop reference for everything related to Axis Bank's BUDBUD branch in BUDBUD, WEST BENGAL. The branch's IFSC code UTIB0005249 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.
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, UTIB0005249 is the IFSC of Axis Bank's BUDBUD branch. The format is fixed: UTIB = bank code, 0 = reserved, 005249 = branch identifier.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Budbud |
| IFSC Code | UTIB0005249 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND AND FIRST FLOOR, ANKITA BHAWAN, AMMUNITION ROAD, NEAR CHATRA SAMITY CLUB, PO PS BUDBUD |
| City | Budbud |
| District | Purba Burdwan |
| State | West Bengal |
| STD Code | 34525 |
| Phone | 8653352399 |
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Budbud branch in Budbud, West Bengal is part of this network and uses the IFSC code UTIB0005249 for all electronic settlement.
About the Budbud branch
The Budbud branch of Axis Bank is situated at GROUND AND FIRST FLOOR, ANKITA BHAWAN, AMMUNITION ROAD, NEAR CHATRA SAMITY CLUB, PO PS BUDBUD. 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 UTIB0005249 is used.
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 BUDBUD of Axis Bank — its own 11-character IFSC. The code UTIB0005249 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 UTIB0005249 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 UTIB0005249
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 UTIB0005249 across all three.
How to use IFSC UTIB0005249 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's BUDBUD 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 UTIB0005249.
- Confirm the bank name auto-populates as Axis Bank and the branch as BUDBUD.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to BUDBUD
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's BUDBUD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0005249 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank BUDBUD (IFSC UTIB0005249)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0005249 in your mobile or internet banking app, and the money is credited to the BUDBUD branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0005249 for Axis Bank – BUDBUD, 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 – UTIB0005249 | Yes – UTIB0005249 | Yes – UTIB0005249 |
For most retail customers crediting the Budbud 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 BUDBUD branch, the IFSC UTIB0005249 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 Budbud branch is mapped to IFSC UTIB0005249 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 UTIB0005249.
Products and services
Customers walking into the Budbud 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 UTIB0005249
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 UTIB0005249 and the account number together uniquely identify the Budbud branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC UTIB0005249
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the BUDBUD 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 UTIB0005249 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 UTIB0005249
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 – BUDBUD, 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:
UTIB0005249. - 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.
How to reach the Budbud branch
The branch is located at GROUND AND FIRST FLOOR, ANKITA BHAWAN, AMMUNITION ROAD, NEAR CHATRA SAMITY CLUB, PO PS BUDBUD, which puts it inside Budbud, the broader Purba Burdwan district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Budbud branch” — the verified location pin for IFSC UTIB0005249 should appear at the top of the results.
- Confirm the branch is open by calling 34525-8653352399 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 UTIB0005249 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0005249 for Axis Bank – BUDBUD, 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 Budbud branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0005249, however, work 24x7.
Branch address & contact
Axis BankBudbud Branch
GROUND AND FIRST FLOOR, ANKITA BHAWAN, AMMUNITION ROAD, NEAR CHATRA SAMITY CLUB, PO PS BUDBUD
Budbud, West Bengal
Phone: 34525-8653352399
IFSC: UTIB0005249
Frequently asked questions
How do I add Axis Bank Budbud as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0005249, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Budbud branch but serve different purposes.
What is the IFSC code of Axis Bank Budbud branch?
The IFSC code of Axis Bank, Budbud branch is UTIB0005249. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC UTIB0005249 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0005249 to send funds instantly.
Is IFSC UTIB0005249 the same for all accounts at Budbud branch?
Yes. The IFSC UTIB0005249 is shared by every account held at Axis Bank's Budbud branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using UTIB0005249 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Budbud reflect within 30 minutes.
Does Axis Bank Budbud branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 34525-8653352399 to confirm.
Final notes
To recap: UTIB0005249 is the IFSC code of Axis Bank, BUDBUD branch, in BUDBUD, WEST BENGAL. 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.
