If you are searching for the IFSC code of Axis Bank, BAGHAJATIN branch in KOLKATA, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is UTIB0004161. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the BAGHAJATIN branch, and detailed step-by-step guides for using the IFSC UTIB0004161 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 – BAGHAJATIN is UTIB0004161. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004161 map to this branch in KOLKATA, WEST BENGAL.
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Baghajatin branch in Kolkata, West Bengal is part of this network and uses the IFSC code UTIB0004161 for all electronic settlement.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Baghajatin |
| IFSC Code | UTIB0004161 |
| MICR Code | Refer to cheque leaf |
| Branch Address | RENU VILLA FIRST FLOOR 17 S C MALLICK ROAD BAGHAJATIN PO BAGHAJATIN PS PATULI KOLKAT 700086 |
| City | Kolkata |
| District | Kolkata |
| State | West Bengal |
| STD Code | 33 |
| Phone | 22825185 |
About this branch
The branch is located at RENU VILLA FIRST FLOOR 17 S C MALLICK ROAD BAGHAJATIN PO BAGHAJATIN PS PATULI KOLKAT 700086. It serves the Kolkata 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 UTIB0004161 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 BAGHAJATIN branch came to be assigned the code UTIB0004161.
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 UTIB0004161, money simply cannot be routed to the BAGHAJATIN branch electronically.
Products and account variants supported
Every account opened at the Baghajatin branch is mapped to IFSC UTIB0004161 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 UTIB0004161.
Banking services available
The Baghajatin branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-22825185.
- 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 UTIB0004161
How to transfer money using IFSC UTIB0004161
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 UTIB0004161 across all three.
NEFT to Axis Bank, BAGHAJATIN using IFSC UTIB0004161
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 UTIB0004161, and confirm that the system picks up Axis Bank – BAGHAJATIN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BAGHAJATIN
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's BAGHAJATIN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0004161 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank BAGHAJATIN (IFSC UTIB0004161)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0004161 in your mobile or internet banking app, and the money is credited to the BAGHAJATIN branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0004161 for Axis Bank – BAGHAJATIN, 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 – UTIB0004161 | Yes – UTIB0004161 | Yes – UTIB0004161 |
For most retail customers crediting the Baghajatin 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 BAGHAJATIN branch, the IFSC UTIB0004161 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 UTIB0004161
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the BAGHAJATIN 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 UTIB0004161 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 & cheque-truncation details
Cheques drawn on the Baghajatin branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0004161 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – BAGHAJATIN:
- The IFSC is exactly UTIB0004161 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 BAGHAJATIN 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 Baghajatin branch sits at RENU VILLA FIRST FLOOR 17 S C MALLICK ROAD BAGHAJATIN PO BAGHAJATIN PS PATULI KOLKAT 700086. If you are travelling from outside Kolkata, search for the branch on a maps application using the bank name and locality, or call 33-22825185 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 UTIB0004161 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0004161 for Axis Bank – BAGHAJATIN, 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.
Working hours
Branch counters at Baghajatin 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 UTIB0004161 continue to work without interruption.
Branch address & contact
Axis BankBaghajatin Branch
RENU VILLA FIRST FLOOR 17 S C MALLICK ROAD BAGHAJATIN PO BAGHAJATIN PS PATULI KOLKAT 700086
Kolkata, West Bengal
Phone: 33-22825185
IFSC: UTIB0004161
Frequently asked questions
What is the IFSC code of Axis Bank Baghajatin branch?
The IFSC code of Axis Bank, Baghajatin branch is UTIB0004161. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using UTIB0004161 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Baghajatin reflect within 30 minutes.
Does Axis Bank Baghajatin branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 33-22825185 to confirm.
Is IFSC UTIB0004161 the same for all accounts at Baghajatin branch?
Yes. The IFSC UTIB0004161 is shared by every account held at Axis Bank's Baghajatin branch. Only the account number changes from customer to customer.
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 Baghajatin branch but serve different purposes.
Is IFSC UTIB0004161 valid for NEFT and RTGS?
Yes. IFSC UTIB0004161 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code UTIB0004161 belongs to Axis Bank's BAGHAJATIN branch, located at RENU VILLA FIRST FLOOR 17 S C MALLICK ROAD BAGHAJATIN PO BAGHAJATIN PS PATULI… in KOLKATA, 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.
