Use this page as a one-stop reference for everything related to Axis Bank's HABRA CHONGDA MORE branch in HABRA, WEST BENGAL. The branch's IFSC code UTIB0005964 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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 – HABRA CHONGDA MORE is UTIB0005964. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 005964 map to this branch in HABRA, WEST BENGAL.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Habra Chongda More |
| IFSC Code | UTIB0005964 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GR FLR,BIULDING NO 81 47,JESSORE ROAD,CHONGDA MORE,PO HABRA,PS HABRA |
| City | Habra |
| District | North 24 Parganas |
| State | West Bengal |
| STD Code | 33 |
| Phone | 9874991288 |
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Habra Chongda More branch in Habra, West Bengal is part of this network and uses the IFSC code UTIB0005964 for all electronic settlement.
About this branch
The branch is located at GR FLR,BIULDING NO 81 47,JESSORE ROAD,CHONGDA MORE,PO HABRA,PS HABRA. It serves the Habra 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 UTIB0005964 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 HABRA CHONGDA MORE of Axis Bank — its own 11-character IFSC. The code UTIB0005964 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 UTIB0005964 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 UTIB0005964
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 UTIB0005964 across all three.
NEFT to Axis Bank, HABRA CHONGDA MORE using IFSC UTIB0005964
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 UTIB0005964, and confirm that the system picks up Axis Bank – HABRA CHONGDA MORE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to HABRA CHONGDA MORE
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's HABRA CHONGDA MORE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0005964 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – HABRA CHONGDA MORE, use IMPS. With IFSC UTIB0005964 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0005964 for Axis Bank – HABRA CHONGDA MORE, 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 – UTIB0005964 | Yes – UTIB0005964 | Yes – UTIB0005964 |
For most retail customers crediting the Habra Chongda More 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 HABRA CHONGDA MORE branch, the IFSC UTIB0005964 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.
Account types you can open at the Habra Chongda More branch
Once you have an account at Axis Bank – HABRA CHONGDA MORE, the IFSC UTIB0005964 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Habra Chongda More branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-9874991288.
- 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 UTIB0005964
MICR & cheque-truncation details
Cheques drawn on the Habra Chongda More branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0005964 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC UTIB0005964
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the HABRA CHONGDA MORE 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 UTIB0005964 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.
Common mistakes to avoid when using IFSC UTIB0005964
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 – HABRA CHONGDA MORE, 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:
UTIB0005964. - 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 Habra Chongda More branch
The branch is located at GR FLR,BIULDING NO 81 47,JESSORE ROAD,CHONGDA MORE,PO HABRA,PS HABRA, which puts it inside Habra, the broader North 24 Parganas district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Habra Chongda More branch” — the verified location pin for IFSC UTIB0005964 should appear at the top of the results.
- Confirm the branch is open by calling 33-9874991288 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 UTIB0005964 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0005964 for Axis Bank – HABRA CHONGDA MORE, 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 Habra Chongda More branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0005964, however, work 24x7.
Branch address & contact
Axis BankHabra Chongda More Branch
GR FLR,BIULDING NO 81 47,JESSORE ROAD,CHONGDA MORE,PO HABRA,PS HABRA
Habra, West Bengal
Phone: 33-9874991288
IFSC: UTIB0005964
Frequently asked questions
How quickly will an NEFT transfer using UTIB0005964 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Habra Chongda More reflect within 30 minutes.
How do I add Axis Bank Habra Chongda More as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0005964, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Habra Chongda More branch but serve different purposes.
Is IFSC UTIB0005964 valid for NEFT and RTGS?
Yes. IFSC UTIB0005964 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Axis Bank Habra Chongda More branch?
You can reach the branch at 33-9874991288 during regular banking hours.
Does Axis Bank Habra Chongda More branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 33-9874991288 to confirm.
Is IFSC UTIB0005964 the same for all accounts at Habra Chongda More branch?
Yes. The IFSC UTIB0005964 is shared by every account held at Axis Bank's Habra Chongda More branch. Only the account number changes from customer to customer.
Where is Axis Bank Habra Chongda More branch located?
Axis Bank's Habra Chongda More branch is located at GR FLR,BIULDING NO 81 47,JESSORE ROAD,CHONGDA MORE,PO HABRA,PS HABRA, Habra, West Bengal.
Summary
The IFSC code UTIB0005964 belongs to Axis Bank's HABRA CHONGDA MORE branch, located at GR FLR,BIULDING NO 81 47,JESSORE ROAD,CHONGDA MORE,PO HABRA,PS HABRA in HABRA, 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.
