Below are the complete branch details for Axis Bank, SALKIA branch, located in HOWRAH, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0002777. 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 UTIB0002777 for Axis Bank – SALKIA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – SALKIA is UTIB0002777. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002777 map to this branch in HOWRAH, 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 Salkia branch in Howrah, West Bengal is part of this network and uses the IFSC code UTIB0002777 for all electronic settlement.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Salkia |
| IFSC Code | UTIB0002777 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GR FIRST FLOOR 68 SRI AUROBINDO ROAD SALKIAPS GOLABARI DIST HOWRAH WEST BENGAL PIN 711106 |
| City | Howrah |
| District | Haora |
| State | West Bengal |
| STD Code | 33 |
| Phone | 26757006 |
About this branch
The branch is located at GR FIRST FLOOR 68 SRI AUROBINDO ROAD SALKIAPS GOLABARI DIST HOWRAH WEST BENGAL PIN 711106. 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 UTIB0002777 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 SALKIA of Axis Bank — its own 11-character IFSC. The code UTIB0002777 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 UTIB0002777 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Salkia branch is mapped to IFSC UTIB0002777 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 UTIB0002777.
Products and services
Customers walking into the Salkia 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 UTIB0002777
How to transfer money using IFSC UTIB0002777
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 UTIB0002777 across all three.
How to use IFSC UTIB0002777 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's SALKIA 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 UTIB0002777.
- Confirm the bank name auto-populates as Axis Bank and the branch as SALKIA.
- 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 SALKIA
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's SALKIA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0002777 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 – SALKIA, use IMPS. With IFSC UTIB0002777 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 UTIB0002777 for Axis Bank – SALKIA, 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 – UTIB0002777 | Yes – UTIB0002777 | Yes – UTIB0002777 |
For most retail customers crediting the Salkia 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 UTIB0002777
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 – SALKIA is still mapped to IFSC UTIB0002777. 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 UTIB0002777 and the beneficiary's account number to complete the transfer.
Online banking and IFSC UTIB0002777
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the SALKIA 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 UTIB0002777 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.
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 UTIB0002777 and the account number together uniquely identify the Salkia branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC UTIB0002777
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 – SALKIA, 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:
UTIB0002777. - 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 Salkia branch
The branch is located at GR FIRST FLOOR 68 SRI AUROBINDO ROAD SALKIAPS GOLABARI DIST HOWRAH WEST BENGAL PIN 711106, 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 Salkia branch” — the verified location pin for IFSC UTIB0002777 should appear at the top of the results.
- Confirm the branch is open by calling 33-26757006 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 UTIB0002777 and your account number.
Verifying IFSC UTIB0002777 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 UTIB0002777 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 33-26757006.
- 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 Salkia branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0002777, however, work 24x7.
Branch address & contact
Axis BankSalkia Branch
GR FIRST FLOOR 68 SRI AUROBINDO ROAD SALKIAPS GOLABARI DIST HOWRAH WEST BENGAL PIN 711106
Howrah, West Bengal
Phone: 33-26757006
IFSC: UTIB0002777
Frequently asked questions
Is IFSC UTIB0002777 the same for all accounts at Salkia branch?
Yes. The IFSC UTIB0002777 is shared by every account held at Axis Bank's Salkia branch. Only the account number changes from customer to customer.
What is the IFSC code of Axis Bank Salkia branch?
The IFSC code of Axis Bank, Salkia branch is UTIB0002777. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UTIB0002777 valid for NEFT and RTGS?
Yes. IFSC UTIB0002777 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using UTIB0002777 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Salkia reflect within 30 minutes.
How do I add Axis Bank Salkia as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0002777, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Axis Bank Salkia branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 33-26757006 to confirm.
Where is Axis Bank Salkia branch located?
Axis Bank's Salkia branch is located at GR FIRST FLOOR 68 SRI AUROBINDO ROAD SALKIAPS GOLABARI DIST HOWRAH WEST BENGAL PIN 711106, Howrah, West Bengal.
What is the phone number of Axis Bank Salkia branch?
You can reach the branch at 33-26757006 during regular banking hours.
Summary
The IFSC code UTIB0002777 belongs to Axis Bank's SALKIA branch, located at GR FIRST FLOOR 68 SRI AUROBINDO ROAD SALKIAPS GOLABARI DIST HOWRAH WEST BENGAL… 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.
