This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, BHULI ROAD branch in DHANBAD. The 11-digit IFSC UTIB0005437 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 BHULI ROAD 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 – BHULI ROAD is UTIB0005437. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 005437 map to this branch in DHANBAD, JHARKHAND.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Bhuli Road |
| IFSC Code | UTIB0005437 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND AND FIRST FLOOR, SHREE CITY MALL, 8 LANE ROAD, NEAR ASARFI HOSPITAL, B POLYTECHNIC, DHANBAD |
| City | Dhanbad |
| District | Dhanbad |
| State | Jharkhand |
| STD Code | 326 |
| Phone | 9644732223 |
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Bhuli Road branch in Dhanbad. 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, UTIB0005437.
About this branch
The branch is located at GROUND AND FIRST FLOOR, SHREE CITY MALL, 8 LANE ROAD, NEAR ASARFI HOSPITAL, B POLYTECHNIC, DHANBAD. It serves the Dhanbad 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 UTIB0005437 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 BHULI ROAD of Axis Bank — its own 11-character IFSC. The code UTIB0005437 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 UTIB0005437 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 UTIB0005437
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 UTIB0005437 across all three.
NEFT to Axis Bank, BHULI ROAD using IFSC UTIB0005437
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 UTIB0005437, and confirm that the system picks up Axis Bank – BHULI ROAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BHULI ROAD
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's BHULI ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0005437 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank BHULI ROAD (IFSC UTIB0005437)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0005437 in your mobile or internet banking app, and the money is credited to the BHULI ROAD branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Bhuli Road
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 UTIB0005437:
- 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 BHULI ROAD is still linked to IFSC UTIB0005437.
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 UTIB0005437
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 – BHULI ROAD is still mapped to IFSC UTIB0005437. 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 UTIB0005437 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Bhuli Road branch is mapped to IFSC UTIB0005437 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 UTIB0005437.
Products and services
Customers walking into the Bhuli Road 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 UTIB0005437
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 UTIB0005437 and the account number together uniquely identify the Bhuli Road 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 Bhuli Road 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 UTIB0005437 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 – BHULI ROAD:
- The IFSC is exactly UTIB0005437 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 BHULI ROAD 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.
How to reach the Bhuli Road branch
The branch is located at GROUND AND FIRST FLOOR, SHREE CITY MALL, 8 LANE ROAD, NEAR ASARFI HOSPITAL, B POLYTECHNIC, DHANBAD, which puts it inside Dhanbad, the broader Dhanbad district, and the state of Jharkhand. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Bhuli Road branch” — the verified location pin for IFSC UTIB0005437 should appear at the top of the results.
- Confirm the branch is open by calling 326-9644732223 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 UTIB0005437 and your account number.
Verifying IFSC UTIB0005437 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 UTIB0005437 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 326-9644732223.
- 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 Bhuli Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0005437, however, work 24x7.
Branch address & contact
Axis BankBhuli Road Branch
GROUND AND FIRST FLOOR, SHREE CITY MALL, 8 LANE ROAD, NEAR ASARFI HOSPITAL, B POLYTECHNIC, DHANBAD
Dhanbad, Jharkhand
Phone: 326-9644732223
IFSC: UTIB0005437
Frequently asked questions
How do I add Axis Bank Bhuli Road as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0005437, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Axis Bank Bhuli Road branch?
You can reach the branch at 326-9644732223 during regular banking hours.
Can I use IFSC UTIB0005437 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0005437 to send funds instantly.
Where is Axis Bank Bhuli Road branch located?
Axis Bank's Bhuli Road branch is located at GROUND AND FIRST FLOOR, SHREE CITY MALL, 8 LANE ROAD, NEAR ASARFI HOSPITAL, B POLYTECHNIC, DHANBAD, Dhanbad, Jharkhand.
Is IFSC UTIB0005437 the same for all accounts at Bhuli Road branch?
Yes. The IFSC UTIB0005437 is shared by every account held at Axis Bank's Bhuli Road branch. Only the account number changes from customer to customer.
What is the IFSC code of Axis Bank Bhuli Road branch?
The IFSC code of Axis Bank, Bhuli Road branch is UTIB0005437. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UTIB0005437 valid for NEFT and RTGS?
Yes. IFSC UTIB0005437 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code UTIB0005437 belongs to Axis Bank's BHULI ROAD branch, located at GROUND AND FIRST FLOOR, SHREE CITY MALL, 8 LANE ROAD, NEAR ASARFI HOSPITAL, B… in DHANBAD, JHARKHAND. 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.
