Use this page as a one-stop reference for everything related to Axis Bank's DEGANGA branch in DEGANGA, WEST BENGAL. The branch's IFSC code UTIB0005670 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 DEGANGA branch, the IFSC UTIB0005670 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 005670 identifies this particular branch.
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Deganga branch — IFSC UTIB0005670 — extends the bank's services to customers in and around Deganga, West Bengal.
About the Deganga branch
The Deganga branch of Axis Bank is situated at GROUND FLOOR, 804, TAKI ROAD, BESIDE KAPURIA SWEET SHOP, DEGANGA. 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 UTIB0005670 is used.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Deganga |
| IFSC Code | UTIB0005670 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, 804, TAKI ROAD, BESIDE KAPURIA SWEET SHOP, DEGANGA |
| City | Deganga |
| District | North 24 Parganas |
| State | West Bengal |
| STD Code | 33 |
| Phone | 9830184968 |
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 DEGANGA of Axis Bank — its own 11-character IFSC. The code UTIB0005670 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 UTIB0005670 the same way you would treat your account number — verify it once and save it carefully for future use.
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 UTIB0005670 and the account number together uniquely identify the Deganga branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UTIB0005670
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 UTIB0005670 across all three.
NEFT to Axis Bank, DEGANGA using IFSC UTIB0005670
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 UTIB0005670, and confirm that the system picks up Axis Bank – DEGANGA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to DEGANGA
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's DEGANGA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0005670 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 – DEGANGA, use IMPS. With IFSC UTIB0005670 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Deganga
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC UTIB0005670:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at DEGANGA is still linked to IFSC UTIB0005670.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
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 DEGANGA branch, the IFSC UTIB0005670 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 Deganga branch is mapped to IFSC UTIB0005670 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 UTIB0005670.
Banking services available
The Deganga branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-9830184968.
- 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 UTIB0005670
Digital banking channels
Most day-to-day work that customers used to do at the Deganga 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 UTIB0005670 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.
Reaching the branch
The Deganga branch sits at GROUND FLOOR, 804, TAKI ROAD, BESIDE KAPURIA SWEET SHOP, DEGANGA. If you are travelling from outside Deganga, search for the branch on a maps application using the bank name and locality, or call 33-9830184968 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 UTIB0005670 and your account number.
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 – DEGANGA:
- The IFSC is exactly UTIB0005670 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 DEGANGA 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.
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 Deganga branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0005670, however, work 24x7.
Verifying IFSC UTIB0005670 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 UTIB0005670 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 33-9830184968.
- Visiting the bank's official branch locator page.
Branch address & contact
Axis BankDeganga Branch
GROUND FLOOR, 804, TAKI ROAD, BESIDE KAPURIA SWEET SHOP, DEGANGA
Deganga, West Bengal
Phone: 33-9830184968
IFSC: UTIB0005670
Frequently asked questions
Is IFSC UTIB0005670 the same for all accounts at Deganga branch?
Yes. The IFSC UTIB0005670 is shared by every account held at Axis Bank's Deganga branch. Only the account number changes from customer to customer.
How do I add Axis Bank Deganga as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0005670, 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 Deganga branch but serve different purposes.
How quickly will an NEFT transfer using UTIB0005670 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Deganga reflect within 30 minutes.
Can I use IFSC UTIB0005670 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0005670 to send funds instantly.
Where is Axis Bank Deganga branch located?
Axis Bank's Deganga branch is located at GROUND FLOOR, 804, TAKI ROAD, BESIDE KAPURIA SWEET SHOP, DEGANGA, Deganga, West Bengal.
Final notes
To recap: UTIB0005670 is the IFSC code of Axis Bank, DEGANGA branch, in DEGANGA, 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.
