Below are the complete branch details for Axis Bank, CHOUDHRY BAZAR branch, located in CUTTACK, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0003025. 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 UTIB0003025 for Axis Bank – CHOUDHRY BAZAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 CHOUDHRY BAZAR branch, the IFSC UTIB0003025 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 003025 identifies this particular branch.
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Choudhry Bazar branch in Cuttack. 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, UTIB0003025.
About the Choudhry Bazar branch
The Choudhry Bazar branch of Axis Bank is situated at 1ST FL BASUDEV COMPLEX OPP GOURI SHANKAR PARK CHOWDHURY BAZAR MAIN RD PO BUXI BAZAR 753001. 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 UTIB0003025 is used.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Choudhry Bazar |
| IFSC Code | UTIB0003025 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 1ST FL BASUDEV COMPLEX OPP GOURI SHANKAR PARK CHOWDHURY BAZAR MAIN RD PO BUXI BAZAR 753001 |
| City | Cuttack |
| District | Cuttack |
| State | Odisha |
| STD Code | 91 |
| Phone | 9861234569 |
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 CHOUDHRY BAZAR branch came to be assigned the code UTIB0003025.
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 UTIB0003025, money simply cannot be routed to the CHOUDHRY BAZAR branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Choudhry Bazar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0003025 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC UTIB0003025
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 UTIB0003025 across all three.
NEFT to Axis Bank, CHOUDHRY BAZAR using IFSC UTIB0003025
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 UTIB0003025, and confirm that the system picks up Axis Bank – CHOUDHRY BAZAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0003025
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 – CHOUDHRY BAZAR, ensure your bank's portal accepts IFSC UTIB0003025 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – CHOUDHRY BAZAR, use IMPS. With IFSC UTIB0003025 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 UTIB0003025 for Axis Bank – CHOUDHRY BAZAR, 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 – UTIB0003025 | Yes – UTIB0003025 | Yes – UTIB0003025 |
For most retail customers crediting the Choudhry Bazar 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.
UPI payments and IFSC UTIB0003025
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 – CHOUDHRY BAZAR is still mapped to IFSC UTIB0003025. 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 UTIB0003025 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Choudhry Bazar branch is mapped to IFSC UTIB0003025 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 UTIB0003025.
Banking services available
The Choudhry Bazar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9861234569.
- 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 UTIB0003025
Digital banking channels
Most day-to-day work that customers used to do at the Choudhry Bazar 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 UTIB0003025 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.
How to reach the Choudhry Bazar branch
The branch is located at 1ST FL BASUDEV COMPLEX OPP GOURI SHANKAR PARK CHOWDHURY BAZAR MAIN RD PO BUXI BAZAR 753001, which puts it inside Cuttack, the broader Cuttack district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Choudhry Bazar branch” — the verified location pin for IFSC UTIB0003025 should appear at the top of the results.
- Confirm the branch is open by calling 91-9861234569 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 UTIB0003025 and your account number.
Common mistakes to avoid when using IFSC UTIB0003025
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 – CHOUDHRY BAZAR, 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:
UTIB0003025. - 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.
Working hours
Branch counters at Choudhry Bazar 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 UTIB0003025 continue to work without interruption.
Verifying IFSC UTIB0003025 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 UTIB0003025 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9861234569.
- Visiting the bank's official branch locator page.
Branch address & contact
Axis BankChoudhry Bazar Branch
1ST FL BASUDEV COMPLEX OPP GOURI SHANKAR PARK CHOWDHURY BAZAR MAIN RD PO BUXI BAZAR 753001
Cuttack, Odisha
Phone: 91-9861234569
IFSC: UTIB0003025
Frequently asked questions
Where is Axis Bank Choudhry Bazar branch located?
Axis Bank's Choudhry Bazar branch is located at 1ST FL BASUDEV COMPLEX OPP GOURI SHANKAR PARK CHOWDHURY BAZAR MAIN RD PO BUXI BAZAR 753001, Cuttack, Odisha.
Is IFSC UTIB0003025 valid for NEFT and RTGS?
Yes. IFSC UTIB0003025 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Axis Bank Choudhry Bazar branch?
You can reach the branch at 91-9861234569 during regular banking hours.
Does Axis Bank Choudhry Bazar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9861234569 to confirm.
Can I use IFSC UTIB0003025 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0003025 to send funds instantly.
How quickly will an NEFT transfer using UTIB0003025 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Choudhry Bazar reflect within 30 minutes.
What is the IFSC code of Axis Bank Choudhry Bazar branch?
The IFSC code of Axis Bank, Choudhry Bazar branch is UTIB0003025. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code UTIB0003025 belongs to Axis Bank's CHOUDHRY BAZAR branch, located at 1ST FL BASUDEV COMPLEX OPP GOURI SHANKAR PARK CHOWDHURY BAZAR MAIN RD PO BUXI… in CUTTACK, 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.
