If you are searching for the IFSC code of Axis Bank, BHAWANIPUR branch in KAPURTHALA, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is UTIB0002202. 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 BHAWANIPUR branch, and detailed step-by-step guides for using the IFSC UTIB0002202 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 BHAWANIPUR branch, the IFSC UTIB0002202 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 002202 identifies this particular branch.
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Bhawanipur branch in Kapurthala. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UTIB0002202.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Bhawanipur |
| IFSC Code | UTIB0002202 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GR FLR, KHASRA NO.10/24/4-2,VILLAGE BHAWANIPUR,TEHSIL& DIST KAPURTHALA,PIN-144601 |
| City | Kapurthala |
| District | Kapurthala |
| State | Punjab |
About the Bhawanipur branch
The Bhawanipur branch of Axis Bank is situated at GR FLR, KHASRA NO.10/24/4-2,VILLAGE BHAWANIPUR,TEHSIL& DIST KAPURTHALA,PIN-144601. 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 UTIB0002202 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 BHAWANIPUR of Axis Bank — its own 11-character IFSC. The code UTIB0002202 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 UTIB0002202 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 Bhawanipur branch is mapped to IFSC UTIB0002202 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 UTIB0002202.
Products and services
Customers walking into the Bhawanipur 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 UTIB0002202
How to transfer money using IFSC UTIB0002202
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 UTIB0002202 across all three.
NEFT to Axis Bank, BHAWANIPUR using IFSC UTIB0002202
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 UTIB0002202, and confirm that the system picks up Axis Bank – BHAWANIPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0002202
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 – BHAWANIPUR, ensure your bank's portal accepts IFSC UTIB0002202 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – BHAWANIPUR, use IMPS. With IFSC UTIB0002202 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Bhawanipur
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC UTIB0002202:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at BHAWANIPUR is still linked to IFSC UTIB0002202.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Axis Bank's BHAWANIPUR branch, the IFSC UTIB0002202 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Digital banking channels
Most day-to-day work that customers used to do at the Bhawanipur 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 UTIB0002202 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 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 UTIB0002202 and the account number together uniquely identify the Bhawanipur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – BHAWANIPUR:
- The IFSC is exactly UTIB0002202 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 BHAWANIPUR 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 Bhawanipur branch
The branch is located at GR FLR, KHASRA NO.10/24/4-2,VILLAGE BHAWANIPUR,TEHSIL& DIST KAPURTHALA,PIN-144601, which puts it inside Kapurthala, the broader Kapurthala district, and the state of Punjab. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Bhawanipur branch” — the verified location pin for IFSC UTIB0002202 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number 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 UTIB0002202 and your account number.
Verifying IFSC UTIB0002202 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 UTIB0002202 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 Bhawanipur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0002202, however, work 24x7.
Branch address & contact
Axis BankBhawanipur Branch
GR FLR, KHASRA NO.10/24/4-2,VILLAGE BHAWANIPUR,TEHSIL& DIST KAPURTHALA,PIN-144601
Kapurthala, Punjab
Phone: the branch contact number
IFSC: UTIB0002202
Frequently asked questions
What is the phone number of Axis Bank Bhawanipur branch?
You can reach the branch at the branch contact number during regular banking hours.
How do I add Axis Bank Bhawanipur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0002202, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UTIB0002202 valid for NEFT and RTGS?
Yes. IFSC UTIB0002202 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Axis Bank Bhawanipur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Is IFSC UTIB0002202 the same for all accounts at Bhawanipur branch?
Yes. The IFSC UTIB0002202 is shared by every account held at Axis Bank's Bhawanipur branch. Only the account number changes from customer to customer.
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 Bhawanipur branch but serve different purposes.
Final notes
To recap: UTIB0002202 is the IFSC code of Axis Bank, BHAWANIPUR branch, in KAPURTHALA, PUNJAB. 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.
