IFSC Code of Axis Bank, Karimpur Branch Branch, West Bengal

This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, KARIMPUR BRANCH branch in KARIMPUR. The 11-digit IFSC UTIB0003506 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Axis Bank at the KARIMPUR BRANCH location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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, UTIB0003506 is the IFSC of Axis Bank's KARIMPUR BRANCH branch. The format is fixed: UTIB = bank code, 0 = reserved, 003506 = branch identifier.

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Karimpur Branch branch — IFSC UTIB0003506 — extends the bank's services to customers in and around Karimpur, West Bengal.

Karimpur Branch branch overview

Located at GR FIRST FLR SARADA MKT MOUZA NO6 KARIMPUR KRISHNANAGAR RD PO PS KARIMPUR PIN 741152, the Karimpur Branch branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0003506 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 KARIMPUR BRANCH of Axis Bank — its own 11-character IFSC. The code UTIB0003506 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 UTIB0003506 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Karimpur Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0003506 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC UTIB0003506

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 UTIB0003506 across all three.

NEFT to Axis Bank, KARIMPUR BRANCH using IFSC UTIB0003506

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 UTIB0003506, and confirm that the system picks up Axis Bank – KARIMPUR BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KARIMPUR BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's KARIMPUR BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0003506 while initiating the transfer and the credit will appear within minutes.

IMPS to Axis Bank KARIMPUR BRANCH (IFSC UTIB0003506)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0003506 in your mobile or internet banking app, and the money is credited to the KARIMPUR BRANCH branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UTIB0003506 for Axis Bank – KARIMPUR BRANCH, 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.

For most retail customers crediting the Karimpur Branch 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.

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 KARIMPUR BRANCH branch, the IFSC UTIB0003506 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.

Account types you can open at the Karimpur Branch branch

Once you have an account at Axis Bank – KARIMPUR BRANCH, the IFSC UTIB0003506 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Karimpur Branch 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 UTIB0003506

Online banking and IFSC UTIB0003506

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the KARIMPUR BRANCH 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 UTIB0003506 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.

How to reach the Karimpur Branch branch

The branch is located at GR FIRST FLR SARADA MKT MOUZA NO6 KARIMPUR KRISHNANAGAR RD PO PS KARIMPUR PIN 741152, which puts it inside Karimpur, the broader Nadia district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Karimpur Branch branch” — the verified location pin for IFSC UTIB0003506 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9830411661 before stepping out, especially around public holidays.
3. 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 UTIB0003506 and your account number.

Common mistakes to avoid when using IFSC UTIB0003506

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 – KARIMPUR BRANCH, 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: UTIB0003506.
• 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.

Working hours

Branch counters at Karimpur Branch 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 UTIB0003506 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0003506 for Axis Bank – KARIMPUR BRANCH, 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 address & contact

Frequently asked questions

Summary

The IFSC code UTIB0003506 belongs to Axis Bank's KARIMPUR BRANCH branch, located at GR FIRST FLR SARADA MKT MOUZA NO6 KARIMPUR KRISHNANAGAR RD PO PS KARIMPUR PIN… in KARIMPUR, 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.