This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, KODARMA branch in KODARMA. The 11-digit IFSC UTIB0001312 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 KODARMA 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.
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 KODARMA branch, the IFSC UTIB0001312 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 001312 identifies this particular branch.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Kodarma |
| IFSC Code | UTIB0001312 |
| MICR Code | Refer to cheque leaf |
| Branch Address | P.O. KODARMA BAZAR, DIST. KODARMA,JHARKHAND, PIN 825410 |
| City | Kodarma |
| District | Koderma |
| State | Jharkhand |
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Kodarma branch in Kodarma. 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, UTIB0001312.
About this branch
The branch is located at P.O. KODARMA BAZAR, DIST. KODARMA,JHARKHAND, PIN 825410. It serves the Kodarma region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Axis Bank. The IFSC UTIB0001312 is used to identify this branch on the RBI payments network.
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 KODARMA branch came to be assigned the code UTIB0001312.
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 UTIB0001312, money simply cannot be routed to the KODARMA branch electronically.
How to transfer money using IFSC UTIB0001312
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 UTIB0001312 across all three.
NEFT to Axis Bank, KODARMA using IFSC UTIB0001312
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 UTIB0001312, and confirm that the system picks up Axis Bank – KODARMA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KODARMA
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's KODARMA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0001312 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank KODARMA (IFSC UTIB0001312)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0001312 in your mobile or internet banking app, and the money is credited to the KODARMA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0001312 for Axis Bank – KODARMA, 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 – UTIB0001312 | Yes – UTIB0001312 | Yes – UTIB0001312 |
For most retail customers crediting the Kodarma 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 UTIB0001312
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 – KODARMA is still mapped to IFSC UTIB0001312. 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 UTIB0001312 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Kodarma branch is mapped to IFSC UTIB0001312 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 UTIB0001312.
Banking services available
The Kodarma branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.
- 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 UTIB0001312
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 UTIB0001312 and the account number together uniquely identify the Kodarma branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC UTIB0001312
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the KODARMA 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 UTIB0001312 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 – KODARMA:
- The IFSC is exactly UTIB0001312 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 KODARMA 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 Kodarma branch
The branch is located at P.O. KODARMA BAZAR, DIST. KODARMA,JHARKHAND, PIN 825410, which puts it inside Kodarma, the broader Koderma district, and the state of Jharkhand. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Kodarma branch” — the verified location pin for IFSC UTIB0001312 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
- 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 UTIB0001312 and your account number.
Verifying IFSC UTIB0001312 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 UTIB0001312 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 Kodarma 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 UTIB0001312 continue to work without interruption.
Branch address & contact
Axis BankKodarma Branch
P.O. KODARMA BAZAR, DIST. KODARMA,JHARKHAND, PIN 825410
Kodarma, Jharkhand
Phone: the branch contact number
IFSC: UTIB0001312
Frequently asked questions
Is IFSC UTIB0001312 the same for all accounts at Kodarma branch?
Yes. The IFSC UTIB0001312 is shared by every account held at Axis Bank's Kodarma branch. Only the account number changes from customer to customer.
What is the phone number of Axis Bank Kodarma branch?
You can reach the branch at the branch contact number during regular banking hours.
Is IFSC UTIB0001312 valid for NEFT and RTGS?
Yes. IFSC UTIB0001312 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Axis Bank Kodarma branch?
The IFSC code of Axis Bank, Kodarma branch is UTIB0001312. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Axis Bank Kodarma branch located?
Axis Bank's Kodarma branch is located at P.O. KODARMA BAZAR, DIST. KODARMA,JHARKHAND, PIN 825410, Kodarma, Jharkhand.
Can I use IFSC UTIB0001312 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0001312 to send funds instantly.
Summary
The IFSC code UTIB0001312 belongs to Axis Bank's KODARMA branch, located at P.O. KODARMA BAZAR, DIST. KODARMA,JHARKHAND, PIN 825410 in KODARMA, JHARKHAND. 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.
