Use this page as a one-stop reference for everything related to Axis Bank's RAMRAJATALA branch in HOWRAH, WEST BENGAL. The branch's IFSC code UTIB0002013 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.
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, UTIB0002013 is the IFSC of Axis Bank's RAMRAJATALA branch. The format is fixed: UTIB = bank code, 0 = reserved, 002013 = branch identifier.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Ramrajatala |
| IFSC Code | UTIB0002013 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 31/7 RAMCHARAN SETH ROAD, RAMRAJATALA,PS SHIBPUR, HOWRAH 711104 |
| City | Howrah |
| District | Haora |
| State | West Bengal |
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ramrajatala branch — IFSC UTIB0002013 — extends the bank's services to customers in and around Howrah, West Bengal.
About the Ramrajatala branch
The Ramrajatala branch of Axis Bank is situated at 31/7 RAMCHARAN SETH ROAD, RAMRAJATALA,PS SHIBPUR, HOWRAH 711104. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code UTIB0002013 is used.
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 RAMRAJATALA of Axis Bank — its own 11-character IFSC. The code UTIB0002013 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 UTIB0002013 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 UTIB0002013
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 UTIB0002013 across all three.
How to use IFSC UTIB0002013 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's RAMRAJATALA 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 UTIB0002013.
- Confirm the bank name auto-populates as Axis Bank and the branch as RAMRAJATALA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UTIB0002013
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 – RAMRAJATALA, ensure your bank's portal accepts IFSC UTIB0002013 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – RAMRAJATALA, use IMPS. With IFSC UTIB0002013 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 UTIB0002013 for Axis Bank – RAMRAJATALA, 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 – UTIB0002013 | Yes – UTIB0002013 | Yes – UTIB0002013 |
For most retail customers crediting the Ramrajatala 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 UTIB0002013
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 – RAMRAJATALA is still mapped to IFSC UTIB0002013. 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 UTIB0002013 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Ramrajatala branch is mapped to IFSC UTIB0002013 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 UTIB0002013.
Banking services available
The Ramrajatala branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.
- 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 UTIB0002013
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 UTIB0002013 and the account number together uniquely identify the Ramrajatala branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC UTIB0002013
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the RAMRAJATALA 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 UTIB0002013 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 UTIB0002013
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 – RAMRAJATALA, 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:
UTIB0002013. - 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 Ramrajatala branch sits at 31/7 RAMCHARAN SETH ROAD, RAMRAJATALA,PS SHIBPUR, HOWRAH 711104. 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 UTIB0002013 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0002013 for Axis Bank – RAMRAJATALA, 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 Ramrajatala branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0002013, however, work 24x7.
Branch address & contact
Axis BankRamrajatala Branch
31/7 RAMCHARAN SETH ROAD, RAMRAJATALA,PS SHIBPUR, HOWRAH 711104
Howrah, West Bengal
Phone: the branch contact number
IFSC: UTIB0002013
Frequently asked questions
Where is Axis Bank Ramrajatala branch located?
Axis Bank's Ramrajatala branch is located at 31/7 RAMCHARAN SETH ROAD, RAMRAJATALA,PS SHIBPUR, HOWRAH 711104, Howrah, West Bengal.
Is IFSC UTIB0002013 the same for all accounts at Ramrajatala branch?
Yes. The IFSC UTIB0002013 is shared by every account held at Axis Bank's Ramrajatala branch. Only the account number changes from customer to customer.
How do I add Axis Bank Ramrajatala as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0002013, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC UTIB0002013 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0002013 to send funds instantly.
What is the phone number of Axis Bank Ramrajatala branch?
You can reach the branch at the branch contact number during regular banking hours.
Is IFSC UTIB0002013 valid for NEFT and RTGS?
Yes. IFSC UTIB0002013 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: UTIB0002013 is the IFSC code of Axis Bank, RAMRAJATALA 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.
