This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, KIRNAHAR branch in KIRNAHAR. The 11-digit IFSC UTIB0005973 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 KIRNAHAR 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 – KIRNAHAR is UTIB0005973. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 005973 map to this branch in KIRNAHAR, WEST BENGAL.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Kirnahar |
| IFSC Code | UTIB0005973 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GR FLR,SARASIR NEER,PLOT NO 1910 2174,JL NO 22,LR KHATIAN NO 1735,PS NANOOR,PO KIRNAHAR |
| City | Kirnahar |
| District | Birbhum |
| State | West Bengal |
| STD Code | 3463 |
| Phone | 9832757006 |
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Kirnahar branch in Kirnahar. 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, UTIB0005973.
About the Kirnahar branch
The Kirnahar branch of Axis Bank is situated at GR FLR,SARASIR NEER,PLOT NO 1910 2174,JL NO 22,LR KHATIAN NO 1735,PS NANOOR,PO KIRNAHAR. 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 UTIB0005973 is used.
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 KIRNAHAR branch came to be assigned the code UTIB0005973.
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 UTIB0005973, money simply cannot be routed to the KIRNAHAR branch electronically.
How to transfer money using IFSC UTIB0005973
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 UTIB0005973 across all three.
NEFT to Axis Bank, KIRNAHAR using IFSC UTIB0005973
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 UTIB0005973, and confirm that the system picks up Axis Bank – KIRNAHAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KIRNAHAR
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's KIRNAHAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0005973 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 – KIRNAHAR, use IMPS. With IFSC UTIB0005973 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 UTIB0005973 for Axis Bank – KIRNAHAR, 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 – UTIB0005973 | Yes – UTIB0005973 | Yes – UTIB0005973 |
For most retail customers crediting the Kirnahar 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 UTIB0005973
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 – KIRNAHAR is still mapped to IFSC UTIB0005973. 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 UTIB0005973 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Kirnahar branch is mapped to IFSC UTIB0005973 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 UTIB0005973.
Products and services
Customers walking into the Kirnahar 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 UTIB0005973
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 UTIB0005973 and the account number together uniquely identify the Kirnahar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Kirnahar 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 UTIB0005973 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.
Common mistakes to avoid when using IFSC UTIB0005973
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 – KIRNAHAR, 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:
UTIB0005973. - 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 Kirnahar branch sits at GR FLR,SARASIR NEER,PLOT NO 1910 2174,JL NO 22,LR KHATIAN NO 1735,PS NANOOR,PO KIRNAHAR. If you are travelling from outside Kirnahar, search for the branch on a maps application using the bank name and locality, or call 3463-9832757006 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 UTIB0005973 and your account number.
Verifying IFSC UTIB0005973 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 UTIB0005973 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 3463-9832757006.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Kirnahar 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 UTIB0005973 continue to work without interruption.
Branch address & contact
Axis BankKirnahar Branch
GR FLR,SARASIR NEER,PLOT NO 1910 2174,JL NO 22,LR KHATIAN NO 1735,PS NANOOR,PO KIRNAHAR
Kirnahar, West Bengal
Phone: 3463-9832757006
IFSC: UTIB0005973
Frequently asked questions
Where is Axis Bank Kirnahar branch located?
Axis Bank's Kirnahar branch is located at GR FLR,SARASIR NEER,PLOT NO 1910 2174,JL NO 22,LR KHATIAN NO 1735,PS NANOOR,PO KIRNAHAR, Kirnahar, West Bengal.
How do I add Axis Bank Kirnahar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0005973, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UTIB0005973 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Kirnahar reflect within 30 minutes.
What is the phone number of Axis Bank Kirnahar branch?
You can reach the branch at 3463-9832757006 during regular banking hours.
What is the IFSC code of Axis Bank Kirnahar branch?
The IFSC code of Axis Bank, Kirnahar branch is UTIB0005973. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UTIB0005973 the same for all accounts at Kirnahar branch?
Yes. The IFSC UTIB0005973 is shared by every account held at Axis Bank's Kirnahar branch. Only the account number changes from customer to customer.
Summary
The IFSC code UTIB0005973 belongs to Axis Bank's KIRNAHAR branch, located at GR FLR,SARASIR NEER,PLOT NO 1910 2174,JL NO 22,LR KHATIAN NO 1735,PS NANOOR,PO… in KIRNAHAR, 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.
