If you are searching for the IFSC code of Axis Bank, DASNAGAR branch in HOWRAH, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is UTIB0002604. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the DASNAGAR branch, and detailed step-by-step guides for using the IFSC UTIB0002604 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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, UTIB0002604 is the IFSC of Axis Bank's DASNAGAR branch. The format is fixed: UTIB = bank code, 0 = reserved, 002604 = branch identifier.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Dasnagar |
| IFSC Code | UTIB0002604 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR 164 HOWRAH AMTA ROAD C O DASNAGAR BUILDERS PO AND PS DASNAGAR HOWRAH 711105 |
| City | Howrah |
| District | Haora |
| State | West Bengal |
| STD Code | 91 |
| Phone | 9433005518 |
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Dasnagar branch in Howrah, West Bengal is part of this network and uses the IFSC code UTIB0002604 for all electronic settlement.
Dasnagar branch overview
Located at GROUND FLOOR 164 HOWRAH AMTA ROAD C O DASNAGAR BUILDERS PO AND PS DASNAGAR HOWRAH 711105, the Dasnagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0002604 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 DASNAGAR of Axis Bank — its own 11-character IFSC. The code UTIB0002604 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 UTIB0002604 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 UTIB0002604
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 UTIB0002604 across all three.
NEFT to Axis Bank, DASNAGAR using IFSC UTIB0002604
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 UTIB0002604, and confirm that the system picks up Axis Bank – DASNAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to DASNAGAR
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's DASNAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0002604 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank DASNAGAR (IFSC UTIB0002604)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0002604 in your mobile or internet banking app, and the money is credited to the DASNAGAR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0002604 for Axis Bank – DASNAGAR, 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 – UTIB0002604 | Yes – UTIB0002604 | Yes – UTIB0002604 |
For most retail customers crediting the Dasnagar 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.
UPI payments and IFSC UTIB0002604
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 – DASNAGAR is still mapped to IFSC UTIB0002604. 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 UTIB0002604 and the beneficiary's account number to complete the transfer.
Account types you can open at the Dasnagar branch
Once you have an account at Axis Bank – DASNAGAR, the IFSC UTIB0002604 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.
Products and services
Customers walking into the Dasnagar 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 UTIB0002604
MICR & cheque-truncation details
Cheques drawn on the Dasnagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0002604 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 Dasnagar 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 UTIB0002604 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 – DASNAGAR:
- The IFSC is exactly UTIB0002604 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 DASNAGAR 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 Dasnagar branch
The branch is located at GROUND FLOOR 164 HOWRAH AMTA ROAD C O DASNAGAR BUILDERS PO AND PS DASNAGAR HOWRAH 711105, which puts it inside Howrah, the broader Haora district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Dasnagar branch” — the verified location pin for IFSC UTIB0002604 should appear at the top of the results.
- Confirm the branch is open by calling 91-9433005518 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 UTIB0002604 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0002604 for Axis Bank – DASNAGAR, 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.
Working hours
Branch counters at Dasnagar 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 UTIB0002604 continue to work without interruption.
Branch address & contact
Axis BankDasnagar Branch
GROUND FLOOR 164 HOWRAH AMTA ROAD C O DASNAGAR BUILDERS PO AND PS DASNAGAR HOWRAH 711105
Howrah, West Bengal
Phone: 91-9433005518
IFSC: UTIB0002604
Frequently asked questions
Is IFSC UTIB0002604 the same for all accounts at Dasnagar branch?
Yes. The IFSC UTIB0002604 is shared by every account held at Axis Bank's Dasnagar branch. Only the account number changes from customer to customer.
Can I use IFSC UTIB0002604 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0002604 to send funds instantly.
What is the phone number of Axis Bank Dasnagar branch?
You can reach the branch at 91-9433005518 during regular banking hours.
Where is Axis Bank Dasnagar branch located?
Axis Bank's Dasnagar branch is located at GROUND FLOOR 164 HOWRAH AMTA ROAD C O DASNAGAR BUILDERS PO AND PS DASNAGAR HOWRAH 711105, Howrah, West Bengal.
How do I add Axis Bank Dasnagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0002604, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Axis Bank Dasnagar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9433005518 to confirm.
How quickly will an NEFT transfer using UTIB0002604 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Dasnagar reflect within 30 minutes.
Summary
The IFSC code UTIB0002604 belongs to Axis Bank's DASNAGAR branch, located at GROUND FLOOR 164 HOWRAH AMTA ROAD C O DASNAGAR BUILDERS PO AND PS DASNAGAR… in HOWRAH, 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.
