This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, CHARAMA branch in CHARAMA. The 11-digit IFSC UTIB0004633 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Axis Bank at the CHARAMA location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 – CHARAMA is UTIB0004633. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004633 map to this branch in CHARAMA, CHHATTISGARH.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Charama |
| IFSC Code | UTIB0004633 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, OPPOSITE TO GURUDWARA, NH 30, PO PS CHARAMA |
| City | Charama |
| District | Uttar Baster Kanker |
| State | Chhattisgarh |
| STD Code | 7868 |
| Phone | 9406241011 |
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Charama branch in Charama. 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, UTIB0004633.
Charama branch overview
Located at GROUND FLOOR, OPPOSITE TO GURUDWARA, NH 30, PO PS CHARAMA, the Charama branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0004633 is required for all interbank electronic transfers routed through this branch.
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 CHARAMA of Axis Bank — its own 11-character IFSC. The code UTIB0004633 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 UTIB0004633 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 UTIB0004633
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 UTIB0004633 across all three.
NEFT to Axis Bank, CHARAMA using IFSC UTIB0004633
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC UTIB0004633, and confirm that the system picks up Axis Bank – CHARAMA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to CHARAMA
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's CHARAMA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0004633 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank CHARAMA (IFSC UTIB0004633)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0004633 in your mobile or internet banking app, and the money is credited to the CHARAMA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0004633 for Axis Bank – CHARAMA, 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 – UTIB0004633 | Yes – UTIB0004633 | Yes – UTIB0004633 |
For most retail customers crediting the Charama 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 CHARAMA branch, the IFSC UTIB0004633 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 Charama branch is mapped to IFSC UTIB0004633 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 UTIB0004633.
Banking services available
The Charama branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 7868-9406241011.
- 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 UTIB0004633
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 UTIB0004633 and the account number together uniquely identify the Charama branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Charama 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 UTIB0004633 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.
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 – CHARAMA:
- The IFSC is exactly UTIB0004633 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 CHARAMA 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.
Reaching the branch
The Charama branch sits at GROUND FLOOR, OPPOSITE TO GURUDWARA, NH 30, PO PS CHARAMA. If you are travelling from outside Charama, search for the branch on a maps application using the bank name and locality, or call 7868-9406241011 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 UTIB0004633 and your account number.
Verifying IFSC UTIB0004633 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 UTIB0004633 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 7868-9406241011.
- Visiting the bank's official branch locator page.
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 Charama branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0004633, however, work 24x7.
Branch address & contact
Axis BankCharama Branch
GROUND FLOOR, OPPOSITE TO GURUDWARA, NH 30, PO PS CHARAMA
Charama, Chhattisgarh
Phone: 7868-9406241011
IFSC: UTIB0004633
Frequently asked questions
Is IFSC UTIB0004633 valid for NEFT and RTGS?
Yes. IFSC UTIB0004633 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Axis Bank Charama branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 7868-9406241011 to confirm.
Where is Axis Bank Charama branch located?
Axis Bank's Charama branch is located at GROUND FLOOR, OPPOSITE TO GURUDWARA, NH 30, PO PS CHARAMA, Charama, Chhattisgarh.
What is the phone number of Axis Bank Charama branch?
You can reach the branch at 7868-9406241011 during regular banking hours.
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 Charama branch but serve different purposes.
Can I use IFSC UTIB0004633 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0004633 to send funds instantly.
How do I add Axis Bank Charama as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0004633, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: UTIB0004633 is the IFSC code of Axis Bank, CHARAMA branch, in CHARAMA, CHHATTISGARH. 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.
