Below are the complete branch details for Axis Bank, JHARIA branch, located in DHANBAD, JHARKHAND. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0005984. 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 UTIB0005984 for Axis Bank – JHARIA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – JHARIA is UTIB0005984. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 005984 map to this branch in DHANBAD, JHARKHAND.
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Jharia branch — IFSC UTIB0005984 — extends the bank's services to customers in and around Dhanbad, Jharkhand.
About this branch
The branch is located at GROUND AND FIRST FLOOR, JHARIA MAIN ROAD, PO PS JHARIA, DIST DHANBAD, BESIDE RAJBARI JHARIA. 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 UTIB0005984 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Jharia |
| IFSC Code | UTIB0005984 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND AND FIRST FLOOR, JHARIA MAIN ROAD, PO PS JHARIA, DIST DHANBAD, BESIDE RAJBARI JHARIA |
| City | Dhanbad |
| District | Dhanbad |
| State | Jharkhand |
| STD Code | 326 |
| Phone | 9934326445 |
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 JHARIA branch came to be assigned the code UTIB0005984.
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 UTIB0005984, money simply cannot be routed to the JHARIA branch electronically.
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 UTIB0005984 and the account number together uniquely identify the Jharia branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UTIB0005984
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 UTIB0005984 across all three.
NEFT to Axis Bank, JHARIA using IFSC UTIB0005984
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 UTIB0005984, and confirm that the system picks up Axis Bank – JHARIA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0005984
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 – JHARIA, ensure your bank's portal accepts IFSC UTIB0005984 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Axis Bank JHARIA (IFSC UTIB0005984)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0005984 in your mobile or internet banking app, and the money is credited to the JHARIA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Jharia
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 UTIB0005984:
- 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 JHARIA is still linked to IFSC UTIB0005984.
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 JHARIA branch, the IFSC UTIB0005984 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 Jharia branch is mapped to IFSC UTIB0005984 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 UTIB0005984.
Banking services available
The Jharia branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 326-9934326445.
- 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 UTIB0005984
Digital banking channels
Most day-to-day work that customers used to do at the Jharia 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 UTIB0005984 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 Jharia branch
The branch is located at GROUND AND FIRST FLOOR, JHARIA MAIN ROAD, PO PS JHARIA, DIST DHANBAD, BESIDE RAJBARI JHARIA, 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 Jharia branch” — the verified location pin for IFSC UTIB0005984 should appear at the top of the results.
- Confirm the branch is open by calling 326-9934326445 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 UTIB0005984 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 – JHARIA:
- The IFSC is exactly UTIB0005984 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 JHARIA 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 Jharia branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0005984, however, work 24x7.
Verifying IFSC UTIB0005984 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 UTIB0005984 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 326-9934326445.
- Visiting the bank's official branch locator page.
Branch address & contact
Axis BankJharia Branch
GROUND AND FIRST FLOOR, JHARIA MAIN ROAD, PO PS JHARIA, DIST DHANBAD, BESIDE RAJBARI JHARIA
Dhanbad, Jharkhand
Phone: 326-9934326445
IFSC: UTIB0005984
Frequently asked questions
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 Jharia branch but serve different purposes.
Is IFSC UTIB0005984 the same for all accounts at Jharia branch?
Yes. The IFSC UTIB0005984 is shared by every account held at Axis Bank's Jharia branch. Only the account number changes from customer to customer.
Where is Axis Bank Jharia branch located?
Axis Bank's Jharia branch is located at GROUND AND FIRST FLOOR, JHARIA MAIN ROAD, PO PS JHARIA, DIST DHANBAD, BESIDE RAJBARI JHARIA, Dhanbad, Jharkhand.
What is the phone number of Axis Bank Jharia branch?
You can reach the branch at 326-9934326445 during regular banking hours.
Does Axis Bank Jharia branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 326-9934326445 to confirm.
How do I add Axis Bank Jharia as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0005984, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code UTIB0005984 belongs to Axis Bank's JHARIA branch, located at GROUND AND FIRST FLOOR, JHARIA MAIN ROAD, PO PS JHARIA, DIST DHANBAD, BESIDE… 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.
