Below are the complete branch details for Axis Bank, GAJOLE branch, located in GAJOLE, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0003731. 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 UTIB0003731 for Axis Bank – GAJOLE — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, UTIB0003731 is the IFSC of Axis Bank's GAJOLE branch. The format is fixed: UTIB = bank code, 0 = reserved, 003731 = branch identifier.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Gajole |
| IFSC Code | UTIB0003731 |
| MICR Code | Refer to cheque leaf |
| Branch Address | RS KHATIAN NO578, RS PLOT244, MOUZABANDHAIL, PSGAZOLE |
| City | Gajole |
| District | Malda |
| State | West Bengal |
| STD Code | 91 |
| Phone | 9830531431 |
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Gajole branch in Gajole. 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, UTIB0003731.
Gajole branch overview
Located at RS KHATIAN NO578, RS PLOT244, MOUZABANDHAIL, PSGAZOLE, the Gajole branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0003731 is required for all interbank electronic transfers routed through this branch.
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 GAJOLE branch came to be assigned the code UTIB0003731.
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 UTIB0003731, money simply cannot be routed to the GAJOLE branch electronically.
How to transfer money using IFSC UTIB0003731
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 UTIB0003731 across all three.
How to use IFSC UTIB0003731 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's GAJOLE 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC UTIB0003731.
- Confirm the bank name auto-populates as Axis Bank and the branch as GAJOLE.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to GAJOLE
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's GAJOLE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0003731 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank GAJOLE (IFSC UTIB0003731)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0003731 in your mobile or internet banking app, and the money is credited to the GAJOLE branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0003731 for Axis Bank – GAJOLE, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – UTIB0003731 | Yes – UTIB0003731 | Yes – UTIB0003731 |
For most retail customers crediting the Gajole branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
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 GAJOLE branch, the IFSC UTIB0003731 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 Gajole branch is mapped to IFSC UTIB0003731 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 UTIB0003731.
Banking services available
The Gajole branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9830531431.
- 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 UTIB0003731
MICR & cheque-truncation details
Cheques drawn on the Gajole branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0003731 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Gajole 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 UTIB0003731 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.
Common mistakes to avoid when using IFSC UTIB0003731
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 – GAJOLE, 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:
UTIB0003731. - 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.
How to reach the Gajole branch
The branch is located at RS KHATIAN NO578, RS PLOT244, MOUZABANDHAIL, PSGAZOLE, which puts it inside Gajole, the broader Malda district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Gajole branch” — the verified location pin for IFSC UTIB0003731 should appear at the top of the results.
- Confirm the branch is open by calling 91-9830531431 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 UTIB0003731 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0003731 for Axis Bank – GAJOLE, 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.
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 Gajole branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0003731, however, work 24x7.
Branch address & contact
Axis BankGajole Branch
RS KHATIAN NO578, RS PLOT244, MOUZABANDHAIL, PSGAZOLE
Gajole, West Bengal
Phone: 91-9830531431
IFSC: UTIB0003731
Frequently asked questions
Does Axis Bank Gajole branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9830531431 to confirm.
What is the IFSC code of Axis Bank Gajole branch?
The IFSC code of Axis Bank, Gajole branch is UTIB0003731. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UTIB0003731 the same for all accounts at Gajole branch?
Yes. The IFSC UTIB0003731 is shared by every account held at Axis Bank's Gajole branch. Only the account number changes from customer to customer.
Where is Axis Bank Gajole branch located?
Axis Bank's Gajole branch is located at RS KHATIAN NO578, RS PLOT244, MOUZABANDHAIL, PSGAZOLE, Gajole, West Bengal.
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 Gajole branch but serve different purposes.
How quickly will an NEFT transfer using UTIB0003731 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Gajole reflect within 30 minutes.
Is IFSC UTIB0003731 valid for NEFT and RTGS?
Yes. IFSC UTIB0003731 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Axis Bank Gajole branch?
You can reach the branch at 91-9830531431 during regular banking hours.
Summary
The IFSC code UTIB0003731 belongs to Axis Bank's GAJOLE branch, located at RS KHATIAN NO578, RS PLOT244, MOUZABANDHAIL, PSGAZOLE in GAJOLE, WEST BENGAL. 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.
