Use this page as a one-stop reference for everything related to Axis Bank's PANCHANANTALA ,HOWRAH,WB branch in HOWRAH, WEST BENGAL. The branch's IFSC code UTIB0000391 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 – PANCHANANTALA ,HOWRAH,WB is UTIB0000391. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000391 map to this branch in HOWRAH, WEST BENGAL.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Panchanantala ,Howrah,Wb |
| IFSC Code | UTIB0000391 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 2, DESHPRAN SASHMAL ROAD HOWRAH |
| City | Howrah |
| District | Howrah |
| State | West Bengal |
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Panchanantala ,Howrah,Wb branch in Howrah, West Bengal is part of this network and uses the IFSC code UTIB0000391 for all electronic settlement.
About this branch
The branch is located at 2, DESHPRAN SASHMAL ROAD HOWRAH. It serves the Howrah 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 UTIB0000391 is used to identify this branch on the RBI payments network.
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 PANCHANANTALA ,HOWRAH,WB branch came to be assigned the code UTIB0000391.
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 UTIB0000391, money simply cannot be routed to the PANCHANANTALA ,HOWRAH,WB branch electronically.
How to transfer money using IFSC UTIB0000391
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 UTIB0000391 across all three.
NEFT to Axis Bank, PANCHANANTALA ,HOWRAH,WB using IFSC UTIB0000391
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 UTIB0000391, and confirm that the system picks up Axis Bank – PANCHANANTALA ,HOWRAH,WB. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to PANCHANANTALA ,HOWRAH,WB
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's PANCHANANTALA ,HOWRAH,WB branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0000391 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 – PANCHANANTALA ,HOWRAH,WB, use IMPS. With IFSC UTIB0000391 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 UTIB0000391 for Axis Bank – PANCHANANTALA ,HOWRAH,WB, 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 – UTIB0000391 | Yes – UTIB0000391 | Yes – UTIB0000391 |
For most retail customers crediting the Panchanantala ,Howrah,Wb 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 UTIB0000391
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 – PANCHANANTALA ,HOWRAH,WB is still mapped to IFSC UTIB0000391. 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 UTIB0000391 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Panchanantala ,Howrah,Wb branch is mapped to IFSC UTIB0000391 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 UTIB0000391.
Products and services
Customers walking into the Panchanantala ,Howrah,Wb 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 UTIB0000391
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 UTIB0000391 and the account number together uniquely identify the Panchanantala ,Howrah,Wb branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC UTIB0000391
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the PANCHANANTALA ,HOWRAH,WB 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 UTIB0000391 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 UTIB0000391
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 – PANCHANANTALA ,HOWRAH,WB, 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:
UTIB0000391. - 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.
Reaching the branch
The Panchanantala ,Howrah,Wb branch sits at 2, DESHPRAN SASHMAL ROAD HOWRAH. If you are travelling from outside Howrah, search for the branch on a maps application using the bank name and locality, or call the branch contact number to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC UTIB0000391 and your account number.
Verifying IFSC UTIB0000391 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 UTIB0000391 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on the branch contact number.
- Visiting the bank's official branch locator page.
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 Panchanantala ,Howrah,Wb branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0000391, however, work 24x7.
Branch address & contact
Axis BankPanchanantala ,Howrah,Wb Branch
2, DESHPRAN SASHMAL ROAD HOWRAH
Howrah, West Bengal
Phone: the branch contact number
IFSC: UTIB0000391
Frequently asked questions
Is IFSC UTIB0000391 valid for NEFT and RTGS?
Yes. IFSC UTIB0000391 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Axis Bank Panchanantala ,Howrah,Wb branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
How quickly will an NEFT transfer using UTIB0000391 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Panchanantala ,Howrah,Wb reflect within 30 minutes.
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 Panchanantala ,Howrah,Wb branch but serve different purposes.
How do I add Axis Bank Panchanantala ,Howrah,Wb as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0000391, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Axis Bank Panchanantala ,Howrah,Wb branch located?
Axis Bank's Panchanantala ,Howrah,Wb branch is located at 2, DESHPRAN SASHMAL ROAD HOWRAH, Howrah, West Bengal.
What is the phone number of Axis Bank Panchanantala ,Howrah,Wb branch?
You can reach the branch at the branch contact number during regular banking hours.
Can I use IFSC UTIB0000391 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0000391 to send funds instantly.
Final notes
To recap: UTIB0000391 is the IFSC code of Axis Bank, PANCHANANTALA ,HOWRAH,WB branch, in HOWRAH, 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.
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