IFSC Code of Axis Bank, Raghav Nagar Deoria Branch, Uttar Pradesh

If you are searching for the IFSC code of Axis Bank, RAGHAV NAGAR DEORIA branch in DEORIA, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is UTIB0005522. 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 RAGHAV NAGAR DEORIA branch, and detailed step-by-step guides for using the IFSC UTIB0005522 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 – RAGHAV NAGAR DEORIA is UTIB0005522. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 005522 map to this branch in DEORIA, UTTAR PRADESH.

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Raghav Nagar Deoria branch — IFSC UTIB0005522 — extends the bank's services to customers in and around Deoria, Uttar Pradesh.

Branch details at a glance

About this branch

The branch is located at GF, ARAZI NO 60 MI, ANNAPURNA COMPLEX, BANS DEORIA, PARGANA SALEMPUR MAJHAULI, RAGHAV NAGAR, DEORIA 274001, UP. It serves the Deoria 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 UTIB0005522 is used to identify this branch on the RBI payments network.

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 RAGHAV NAGAR DEORIA of Axis Bank — its own 11-character IFSC. The code UTIB0005522 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 UTIB0005522 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Raghav Nagar Deoria branch is mapped to IFSC UTIB0005522 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 UTIB0005522.

Products and services

Customers walking into the Raghav Nagar Deoria 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 UTIB0005522

How to transfer money using IFSC UTIB0005522

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 UTIB0005522 across all three.

How to use IFSC UTIB0005522 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's RAGHAV NAGAR DEORIA 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UTIB0005522.
4. Confirm the bank name auto-populates as Axis Bank and the branch as RAGHAV NAGAR DEORIA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UTIB0005522

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 – RAGHAV NAGAR DEORIA, ensure your bank's portal accepts IFSC UTIB0005522 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Axis Bank RAGHAV NAGAR DEORIA (IFSC UTIB0005522)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0005522 in your mobile or internet banking app, and the money is credited to the RAGHAV NAGAR DEORIA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Raghav Nagar Deoria

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 UTIB0005522:

• 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 RAGHAV NAGAR DEORIA is still linked to IFSC UTIB0005522.

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.

UPI payments and IFSC UTIB0005522

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 – RAGHAV NAGAR DEORIA is still mapped to IFSC UTIB0005522. 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 UTIB0005522 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Raghav Nagar Deoria 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 UTIB0005522 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 UTIB0005522 and the account number together uniquely identify the Raghav Nagar Deoria 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 UTIB0005522

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 – RAGHAV NAGAR DEORIA, 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: UTIB0005522.
• 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 Raghav Nagar Deoria branch sits at GF, ARAZI NO 60 MI, ANNAPURNA COMPLEX, BANS DEORIA, PARGANA SALEMPUR MAJHAULI, RAGHAV NAGAR, DEORIA 274001, UP. If you are travelling from outside Deoria, search for the branch on a maps application using the bank name and locality, or call 8874208331 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 UTIB0005522 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0005522 for Axis Bank – RAGHAV NAGAR DEORIA, 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 Raghav Nagar Deoria 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 UTIB0005522 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0005522 belongs to Axis Bank's RAGHAV NAGAR DEORIA branch, located at GF, ARAZI NO 60 MI, ANNAPURNA COMPLEX, BANS DEORIA, PARGANA SALEMPUR MAJHAULI,… in DEORIA, UTTAR PRADESH. 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.