If you are searching for the IFSC code of Axis Bank, CHANCHAL BRANCH branch in CHANCHAL, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is UTIB0003237. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the CHANCHAL BRANCH branch, and detailed step-by-step guides for using the IFSC UTIB0003237 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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 – CHANCHAL BRANCH is UTIB0003237. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003237 map to this branch in CHANCHAL, WEST BENGAL.
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Chanchal Branch branch in Chanchal. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UTIB0003237.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Chanchal Branch |
| IFSC Code | UTIB0003237 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GR FIRST FLR DADA BHAI APT OPP LIC BLDG,CHANCHAL CLG RD DIST MALDA 732123 WEST BENGAL |
| City | Chanchal |
| District | Chanchal |
| State | West Bengal |
| STD Code | 91 |
| Phone | 9614479528 |
About this branch
The branch is located at GR FIRST FLR DADA BHAI APT OPP LIC BLDG,CHANCHAL CLG RD DIST MALDA 732123 WEST BENGAL. It serves the Chanchal 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 UTIB0003237 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 CHANCHAL BRANCH branch came to be assigned the code UTIB0003237.
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 UTIB0003237, money simply cannot be routed to the CHANCHAL BRANCH branch electronically.
Account types you can open at the Chanchal Branch branch
Once you have an account at Axis Bank – CHANCHAL BRANCH, the IFSC UTIB0003237 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 Chanchal Branch 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 UTIB0003237
How to transfer money using IFSC UTIB0003237
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 UTIB0003237 across all three.
How to use IFSC UTIB0003237 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's CHANCHAL BRANCH 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 UTIB0003237.
- Confirm the bank name auto-populates as Axis Bank and the branch as CHANCHAL BRANCH.
- 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 CHANCHAL BRANCH
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's CHANCHAL BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0003237 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 – CHANCHAL BRANCH, use IMPS. With IFSC UTIB0003237 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 UTIB0003237 for Axis Bank – CHANCHAL BRANCH, 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 – UTIB0003237 | Yes – UTIB0003237 | Yes – UTIB0003237 |
For most retail customers crediting the Chanchal Branch 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 CHANCHAL BRANCH branch, the IFSC UTIB0003237 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.
Digital banking channels
Most day-to-day work that customers used to do at the Chanchal Branch branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC UTIB0003237 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
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 UTIB0003237 and the account number together uniquely identify the Chanchal Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC UTIB0003237
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 – CHANCHAL BRANCH, 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:
UTIB0003237. - 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 Chanchal Branch branch sits at GR FIRST FLR DADA BHAI APT OPP LIC BLDG,CHANCHAL CLG RD DIST MALDA 732123 WEST BENGAL. If you are travelling from outside Chanchal, search for the branch on a maps application using the bank name and locality, or call 91-9614479528 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 UTIB0003237 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0003237 for Axis Bank – CHANCHAL BRANCH, 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.
Working hours
Branch counters at Chanchal Branch 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 UTIB0003237 continue to work without interruption.
Branch address & contact
Axis BankChanchal Branch Branch
GR FIRST FLR DADA BHAI APT OPP LIC BLDG,CHANCHAL CLG RD DIST MALDA 732123 WEST BENGAL
Chanchal, West Bengal
Phone: 91-9614479528
IFSC: UTIB0003237
Frequently asked questions
How quickly will an NEFT transfer using UTIB0003237 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Chanchal Branch 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 Chanchal Branch branch but serve different purposes.
Is IFSC UTIB0003237 the same for all accounts at Chanchal Branch branch?
Yes. The IFSC UTIB0003237 is shared by every account held at Axis Bank's Chanchal Branch branch. Only the account number changes from customer to customer.
Can I use IFSC UTIB0003237 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0003237 to send funds instantly.
Does Axis Bank Chanchal Branch branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9614479528 to confirm.
Where is Axis Bank Chanchal Branch branch located?
Axis Bank's Chanchal Branch branch is located at GR FIRST FLR DADA BHAI APT OPP LIC BLDG,CHANCHAL CLG RD DIST MALDA 732123 WEST BENGAL, Chanchal, West Bengal.
How do I add Axis Bank Chanchal Branch as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0003237, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code UTIB0003237 belongs to Axis Bank's CHANCHAL BRANCH branch, located at GR FIRST FLR DADA BHAI APT OPP LIC BLDG,CHANCHAL CLG RD DIST MALDA 732123 WEST… in CHANCHAL, WEST BENGAL. 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.
