Use this page as a one-stop reference for everything related to Axis Bank's KHOTTADIHI branch in KHOTTADIHI, WEST BENGAL. The branch's IFSC code UTIB0004795 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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, UTIB0004795 is the IFSC of Axis Bank's KHOTTADIHI branch. The format is fixed: UTIB = bank code, 0 = reserved, 004795 = branch identifier.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Khottadihi |
| IFSC Code | UTIB0004795 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GR FLR, DANGAL PARA, NEAR KARTICK MANDIR, PO KHOTTADIHI, SHYAMALA GRAM PANCHAYET, BLOCK JAMURIA 2 |
| City | Khottadihi |
| District | Paschim Bardhaman |
| State | West Bengal |
| STD Code | 3242 |
| Phone | 9734664545 |
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Khottadihi branch in Khottadihi, West Bengal is part of this network and uses the IFSC code UTIB0004795 for all electronic settlement.
Khottadihi branch overview
Located at GR FLR, DANGAL PARA, NEAR KARTICK MANDIR, PO KHOTTADIHI, SHYAMALA GRAM PANCHAYET, BLOCK JAMURIA 2, the Khottadihi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0004795 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 KHOTTADIHI branch came to be assigned the code UTIB0004795.
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 UTIB0004795, money simply cannot be routed to the KHOTTADIHI branch electronically.
How to transfer money using IFSC UTIB0004795
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 UTIB0004795 across all three.
How to use IFSC UTIB0004795 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's KHOTTADIHI 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 UTIB0004795.
- Confirm the bank name auto-populates as Axis Bank and the branch as KHOTTADIHI.
- 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 KHOTTADIHI
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's KHOTTADIHI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0004795 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 – KHOTTADIHI, use IMPS. With IFSC UTIB0004795 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 Khottadihi
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 UTIB0004795:
- 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 KHOTTADIHI is still linked to IFSC UTIB0004795.
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 KHOTTADIHI branch, the IFSC UTIB0004795 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.
Products and account variants supported
Every account opened at the Khottadihi branch is mapped to IFSC UTIB0004795 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 UTIB0004795.
Banking services available
The Khottadihi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 3242-9734664545.
- 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 UTIB0004795
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 UTIB0004795 and the account number together uniquely identify the Khottadihi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC UTIB0004795
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the KHOTTADIHI 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 UTIB0004795 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.
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 – KHOTTADIHI:
- The IFSC is exactly UTIB0004795 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 KHOTTADIHI 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.
Reaching the branch
The Khottadihi branch sits at GR FLR, DANGAL PARA, NEAR KARTICK MANDIR, PO KHOTTADIHI, SHYAMALA GRAM PANCHAYET, BLOCK JAMURIA 2. If you are travelling from outside Khottadihi, search for the branch on a maps application using the bank name and locality, or call 3242-9734664545 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 UTIB0004795 and your account number.
Verifying IFSC UTIB0004795 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 UTIB0004795 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 3242-9734664545.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Khottadihi 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 UTIB0004795 continue to work without interruption.
Branch address & contact
Axis BankKhottadihi Branch
GR FLR, DANGAL PARA, NEAR KARTICK MANDIR, PO KHOTTADIHI, SHYAMALA GRAM PANCHAYET, BLOCK JAMURIA 2
Khottadihi, West Bengal
Phone: 3242-9734664545
IFSC: UTIB0004795
Frequently asked questions
What is the phone number of Axis Bank Khottadihi branch?
You can reach the branch at 3242-9734664545 during regular banking hours.
Can I use IFSC UTIB0004795 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0004795 to send funds instantly.
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 Khottadihi branch but serve different purposes.
Where is Axis Bank Khottadihi branch located?
Axis Bank's Khottadihi branch is located at GR FLR, DANGAL PARA, NEAR KARTICK MANDIR, PO KHOTTADIHI, SHYAMALA GRAM PANCHAYET, BLOCK JAMURIA 2, Khottadihi, West Bengal.
Does Axis Bank Khottadihi branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 3242-9734664545 to confirm.
How quickly will an NEFT transfer using UTIB0004795 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Khottadihi reflect within 30 minutes.
Summary
The IFSC code UTIB0004795 belongs to Axis Bank's KHOTTADIHI branch, located at GR FLR, DANGAL PARA, NEAR KARTICK MANDIR, PO KHOTTADIHI, SHYAMALA GRAM… in KHOTTADIHI, 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.
