IFSC Code of Axis Bank, Mirchaibari Katihar Branch, Bihar

Below are the complete branch details for Axis Bank, MIRCHAIBARI KATIHAR branch, located in KATIHAR, BIHAR. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0004003. 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 UTIB0004003 for Axis Bank – MIRCHAIBARI KATIHAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 MIRCHAIBARI KATIHAR branch, the IFSC UTIB0004003 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 004003 identifies this particular branch.

About Axis Bank

Axis Bank operates a wide network of branches across India, including the Mirchaibari Katihar branch in Katihar. 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, UTIB0004003.

Branch details at a glance

About the Mirchaibari Katihar branch

The Mirchaibari Katihar branch of Axis Bank is situated at ADITYA COMPLEX HOLDING NO 913 KATIHAR PURNIA MAIN ROAD NEAR HANUMAN MANDIR MAUZA MIRCHAIBARI. 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 UTIB0004003 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 MIRCHAIBARI KATIHAR of Axis Bank — its own 11-character IFSC. The code UTIB0004003 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 UTIB0004003 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Mirchaibari Katihar branch

Once you have an account at Axis Bank – MIRCHAIBARI KATIHAR, the IFSC UTIB0004003 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 Mirchaibari Katihar 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 UTIB0004003

How to transfer money using IFSC UTIB0004003

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 UTIB0004003 across all three.

NEFT to Axis Bank, MIRCHAIBARI KATIHAR using IFSC UTIB0004003

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 UTIB0004003, and confirm that the system picks up Axis Bank – MIRCHAIBARI KATIHAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MIRCHAIBARI KATIHAR

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's MIRCHAIBARI KATIHAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0004003 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 – MIRCHAIBARI KATIHAR, use IMPS. With IFSC UTIB0004003 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 UTIB0004003 for Axis Bank – MIRCHAIBARI KATIHAR, 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 Mirchaibari Katihar 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 UTIB0004003

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 – MIRCHAIBARI KATIHAR is still mapped to IFSC UTIB0004003. 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 UTIB0004003 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 Mirchaibari Katihar 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 UTIB0004003 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 UTIB0004003 and the account number together uniquely identify the Mirchaibari Katihar 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 – MIRCHAIBARI KATIHAR:

• The IFSC is exactly UTIB0004003 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 MIRCHAIBARI KATIHAR 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 Mirchaibari Katihar branch

The branch is located at ADITYA COMPLEX HOLDING NO 913 KATIHAR PURNIA MAIN ROAD NEAR HANUMAN MANDIR MAUZA MIRCHAIBARI, which puts it inside Katihar, the broader Katihar district, and the state of Bihar. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Mirchaibari Katihar branch” — the verified location pin for IFSC UTIB0004003 should appear at the top of the results.
2. Confirm the branch is open by calling 6452-9199823900 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 UTIB0004003 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0004003 for Axis Bank – MIRCHAIBARI KATIHAR, 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 Mirchaibari Katihar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0004003, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0004003 belongs to Axis Bank's MIRCHAIBARI KATIHAR branch, located at ADITYA COMPLEX HOLDING NO 913 KATIHAR PURNIA MAIN ROAD NEAR HANUMAN MANDIR… in KATIHAR, BIHAR. 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.