This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, KHARGONE branch in KHARGONE. The 11-digit IFSC UTIB0000819 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 KHARGONE 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.
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 – KHARGONE is UTIB0000819. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000819 map to this branch in KHARGONE, MADHYA PRADESH.
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Khargone branch in Khargone, Madhya Pradesh is part of this network and uses the IFSC code UTIB0000819 for all electronic settlement.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Khargone |
| IFSC Code | UTIB0000819 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, 11/7, SANAWAD ROAD KHARGONE, DIST. WEST NIMAR MADHYA PRADESH, PIN 451001 |
| City | Khargone |
| District | West Nimar |
| State | Madhya Pradesh |
About the Khargone branch
The Khargone branch of Axis Bank is situated at GROUND FLOOR, 11/7, SANAWAD ROAD KHARGONE, DIST. WEST NIMAR MADHYA PRADESH, PIN 451001. 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 UTIB0000819 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 KHARGONE of Axis Bank — its own 11-character IFSC. The code UTIB0000819 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 UTIB0000819 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 Khargone branch is mapped to IFSC UTIB0000819 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 UTIB0000819.
Products and services
Customers walking into the Khargone 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 UTIB0000819
How to transfer money using IFSC UTIB0000819
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 UTIB0000819 across all three.
How to use IFSC UTIB0000819 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's KHARGONE 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 UTIB0000819.
- Confirm the bank name auto-populates as Axis Bank and the branch as KHARGONE.
- 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 KHARGONE
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's KHARGONE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0000819 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 – KHARGONE, use IMPS. With IFSC UTIB0000819 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 UTIB0000819 for Axis Bank – KHARGONE, 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 – UTIB0000819 | Yes – UTIB0000819 | Yes – UTIB0000819 |
For most retail customers crediting the Khargone 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 KHARGONE branch, the IFSC UTIB0000819 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.
Online banking and IFSC UTIB0000819
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the KHARGONE 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 UTIB0000819 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 UTIB0000819 and the account number together uniquely identify the Khargone 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 UTIB0000819
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 – KHARGONE, 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:
UTIB0000819. - 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 Khargone branch sits at GROUND FLOOR, 11/7, SANAWAD ROAD KHARGONE, DIST. WEST NIMAR MADHYA PRADESH, PIN 451001. If you are travelling from outside Khargone, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 UTIB0000819 and your account number.
Verifying IFSC UTIB0000819 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 UTIB0000819 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.
Working hours
Branch counters at Khargone 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 UTIB0000819 continue to work without interruption.
Branch address & contact
Axis BankKhargone Branch
GROUND FLOOR, 11/7, SANAWAD ROAD KHARGONE, DIST. WEST NIMAR MADHYA PRADESH, PIN 451001
Khargone, Madhya Pradesh
Phone: the branch contact number
IFSC: UTIB0000819
Frequently asked questions
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 Khargone branch but serve different purposes.
How quickly will an NEFT transfer using UTIB0000819 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Khargone reflect within 30 minutes.
How do I add Axis Bank Khargone as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0000819, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UTIB0000819 the same for all accounts at Khargone branch?
Yes. The IFSC UTIB0000819 is shared by every account held at Axis Bank's Khargone branch. Only the account number changes from customer to customer.
Can I use IFSC UTIB0000819 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0000819 to send funds instantly.
What is the IFSC code of Axis Bank Khargone branch?
The IFSC code of Axis Bank, Khargone branch is UTIB0000819. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code UTIB0000819 belongs to Axis Bank's KHARGONE branch, located at GROUND FLOOR, 11/7, SANAWAD ROAD KHARGONE, DIST. WEST NIMAR MADHYA PRADESH,… in KHARGONE, MADHYA 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.
