Below are the complete branch details for Axis Bank, DHULIAN branch, located in DHULIAN, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0003986. 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 UTIB0003986 for Axis Bank – DHULIAN — 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 DHULIAN branch, the IFSC UTIB0003986 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 003986 identifies this particular branch.
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Dhulian branch in Dhulian, West Bengal is part of this network and uses the IFSC code UTIB0003986 for all electronic settlement.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Dhulian |
| IFSC Code | UTIB0003986 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, DHULIYAN MAIN ROAD, OPPOSITE SAMSHERGANJ POLICE STATION, PO.DHULIYAN, PS.SAMSHERGANJ |
| City | Dhulian |
| District | Murshidabad |
| State | West Bengal |
| Phone | 9332426896 |
Dhulian branch overview
Located at GROUND FLOOR, DHULIYAN MAIN ROAD, OPPOSITE SAMSHERGANJ POLICE STATION, PO.DHULIYAN, PS.SAMSHERGANJ, the Dhulian branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0003986 is required for all interbank electronic transfers routed through this branch.
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 DHULIAN of Axis Bank — its own 11-character IFSC. The code UTIB0003986 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 UTIB0003986 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 Dhulian branch is mapped to IFSC UTIB0003986 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 UTIB0003986.
Banking services available
The Dhulian branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9332426896.
- 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 UTIB0003986
How to transfer money using IFSC UTIB0003986
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 UTIB0003986 across all three.
NEFT to Axis Bank, DHULIAN using IFSC UTIB0003986
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 UTIB0003986, and confirm that the system picks up Axis Bank – DHULIAN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0003986
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 – DHULIAN, ensure your bank's portal accepts IFSC UTIB0003986 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Axis Bank DHULIAN (IFSC UTIB0003986)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0003986 in your mobile or internet banking app, and the money is credited to the DHULIAN branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Dhulian
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 UTIB0003986:
- 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 DHULIAN is still linked to IFSC UTIB0003986.
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 DHULIAN branch, the IFSC UTIB0003986 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.
Online banking and IFSC UTIB0003986
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the DHULIAN branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC UTIB0003986 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.
MICR & cheque-truncation details
Cheques drawn on the Dhulian branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0003986 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – DHULIAN:
- The IFSC is exactly UTIB0003986 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 DHULIAN 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 Dhulian branch
The branch is located at GROUND FLOOR, DHULIYAN MAIN ROAD, OPPOSITE SAMSHERGANJ POLICE STATION, PO.DHULIYAN, PS.SAMSHERGANJ, which puts it inside Dhulian, the broader Murshidabad district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Dhulian branch” — the verified location pin for IFSC UTIB0003986 should appear at the top of the results.
- Confirm the branch is open by calling 9332426896 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 UTIB0003986 and your account number.
Verifying IFSC UTIB0003986 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 UTIB0003986 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 9332426896.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Dhulian 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 UTIB0003986 continue to work without interruption.
Branch address & contact
Axis BankDhulian Branch
GROUND FLOOR, DHULIYAN MAIN ROAD, OPPOSITE SAMSHERGANJ POLICE STATION, PO.DHULIYAN, PS.SAMSHERGANJ
Dhulian, West Bengal
Phone: 9332426896
IFSC: UTIB0003986
Frequently asked questions
Does Axis Bank Dhulian branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 9332426896 to confirm.
Is IFSC UTIB0003986 valid for NEFT and RTGS?
Yes. IFSC UTIB0003986 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Axis Bank Dhulian as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0003986, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Axis Bank Dhulian branch located?
Axis Bank's Dhulian branch is located at GROUND FLOOR, DHULIYAN MAIN ROAD, OPPOSITE SAMSHERGANJ POLICE STATION, PO.DHULIYAN, PS.SAMSHERGANJ, Dhulian, West Bengal.
How quickly will an NEFT transfer using UTIB0003986 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Dhulian reflect within 30 minutes.
Can I use IFSC UTIB0003986 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0003986 to send funds instantly.
Is IFSC UTIB0003986 the same for all accounts at Dhulian branch?
Yes. The IFSC UTIB0003986 is shared by every account held at Axis Bank's Dhulian branch. Only the account number changes from customer to customer.
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 Dhulian branch but serve different purposes.
Final notes
To recap: UTIB0003986 is the IFSC code of Axis Bank, DHULIAN branch, in DHULIAN, 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.
