If you are searching for the IFSC code of Axis Bank, BIRTA KANGRA branch in KANGRA, HIMACHAL PRADESH, this page has every detail you need. The verified IFSC code for this branch is UTIB0005528. 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 BIRTA KANGRA branch, and detailed step-by-step guides for using the IFSC UTIB0005528 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.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Axis Bank's BIRTA KANGRA branch, the IFSC UTIB0005528 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 005528 identifies this particular branch.
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Birta Kangra branch — IFSC UTIB0005528 — extends the bank's services to customers in and around Kangra, Himachal Pradesh.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Birta Kangra |
| IFSC Code | UTIB0005528 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, GUPTA COMPLEX, OPP SMART BAZAR, VILLAGE BIRTA, HADBAST NO 450, TEH DISTT KANGRA |
| City | Kangra |
| District | Kangra |
| State | Himachal Pradesh |
| STD Code | 1892 |
| Phone | 8452944831 |
Birta Kangra branch overview
Located at GROUND FLOOR, GUPTA COMPLEX, OPP SMART BAZAR, VILLAGE BIRTA, HADBAST NO 450, TEH DISTT KANGRA, the Birta Kangra branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0005528 is required for all interbank electronic transfers routed through this branch.
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 BIRTA KANGRA branch came to be assigned the code UTIB0005528.
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 UTIB0005528, money simply cannot be routed to the BIRTA KANGRA branch electronically.
Products and account variants supported
Every account opened at the Birta Kangra branch is mapped to IFSC UTIB0005528 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 UTIB0005528.
Banking services available
The Birta Kangra branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1892-8452944831.
- 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 UTIB0005528
How to transfer money using IFSC UTIB0005528
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 UTIB0005528 across all three.
How to use IFSC UTIB0005528 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's BIRTA KANGRA 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 UTIB0005528.
- Confirm the bank name auto-populates as Axis Bank and the branch as BIRTA KANGRA.
- 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 BIRTA KANGRA
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's BIRTA KANGRA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0005528 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank BIRTA KANGRA (IFSC UTIB0005528)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0005528 in your mobile or internet banking app, and the money is credited to the BIRTA KANGRA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0005528 for Axis Bank – BIRTA KANGRA, 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 – UTIB0005528 | Yes – UTIB0005528 | Yes – UTIB0005528 |
For most retail customers crediting the Birta Kangra 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 UTIB0005528
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 – BIRTA KANGRA is still mapped to IFSC UTIB0005528. 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 UTIB0005528 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Birta Kangra 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 UTIB0005528 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.
MICR & cheque-truncation details
Cheques drawn on the Birta Kangra branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0005528 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC UTIB0005528
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 – BIRTA KANGRA, 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:
UTIB0005528. - 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 Birta Kangra branch sits at GROUND FLOOR, GUPTA COMPLEX, OPP SMART BAZAR, VILLAGE BIRTA, HADBAST NO 450, TEH DISTT KANGRA. If you are travelling from outside Kangra, search for the branch on a maps application using the bank name and locality, or call 1892-8452944831 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 UTIB0005528 and your account number.
Verifying IFSC UTIB0005528 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 UTIB0005528 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1892-8452944831.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Birta Kangra 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 UTIB0005528 continue to work without interruption.
Branch address & contact
Axis BankBirta Kangra Branch
GROUND FLOOR, GUPTA COMPLEX, OPP SMART BAZAR, VILLAGE BIRTA, HADBAST NO 450, TEH DISTT KANGRA
Kangra, Himachal Pradesh
Phone: 1892-8452944831
IFSC: UTIB0005528
Frequently asked questions
Is IFSC UTIB0005528 the same for all accounts at Birta Kangra branch?
Yes. The IFSC UTIB0005528 is shared by every account held at Axis Bank's Birta Kangra branch. Only the account number changes from customer to customer.
What is the IFSC code of Axis Bank Birta Kangra branch?
The IFSC code of Axis Bank, Birta Kangra branch is UTIB0005528. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC UTIB0005528 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0005528 to send funds instantly.
How quickly will an NEFT transfer using UTIB0005528 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Birta Kangra reflect within 30 minutes.
How do I add Axis Bank Birta Kangra as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0005528, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Axis Bank Birta Kangra branch?
You can reach the branch at 1892-8452944831 during regular banking hours.
Is IFSC UTIB0005528 valid for NEFT and RTGS?
Yes. IFSC UTIB0005528 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code UTIB0005528 belongs to Axis Bank's BIRTA KANGRA branch, located at GROUND FLOOR, GUPTA COMPLEX, OPP SMART BAZAR, VILLAGE BIRTA, HADBAST NO 450,… in KANGRA, HIMACHAL PRADESH. 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.
