If you are searching for the IFSC code of Axis Bank, BHADRAKALI branch in KOLKATA, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is UTIB0004072. 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 BHADRAKALI branch, and detailed step-by-step guides for using the IFSC UTIB0004072 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.
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, UTIB0004072 is the IFSC of Axis Bank's BHADRAKALI branch. The format is fixed: UTIB = bank code, 0 = reserved, 004072 = branch identifier.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Bhadrakali |
| IFSC Code | UTIB0004072 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR HOLDING NO 95 1 BPMP SARANI BHADRAKALI OPPOSITE UCO BANK HOOGHLY WEST BENGAL 712232 |
| City | Kolkata |
| District | Hooghly |
| State | West Bengal |
| STD Code | 33 |
| Phone | 22825185 |
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Bhadrakali branch — IFSC UTIB0004072 — extends the bank's services to customers in and around Kolkata, West Bengal.
About the Bhadrakali branch
The Bhadrakali branch of Axis Bank is situated at GROUND FLOOR HOLDING NO 95 1 BPMP SARANI BHADRAKALI OPPOSITE UCO BANK HOOGHLY WEST BENGAL 712232. 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 UTIB0004072 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 BHADRAKALI branch came to be assigned the code UTIB0004072.
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 UTIB0004072, money simply cannot be routed to the BHADRAKALI branch electronically.
How to transfer money using IFSC UTIB0004072
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 UTIB0004072 across all three.
NEFT to Axis Bank, BHADRAKALI using IFSC UTIB0004072
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 UTIB0004072, and confirm that the system picks up Axis Bank – BHADRAKALI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0004072
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Axis Bank – BHADRAKALI, ensure your bank's portal accepts IFSC UTIB0004072 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – BHADRAKALI, use IMPS. With IFSC UTIB0004072 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 UTIB0004072 for Axis Bank – BHADRAKALI, 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 – UTIB0004072 | Yes – UTIB0004072 | Yes – UTIB0004072 |
For most retail customers crediting the Bhadrakali 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 UTIB0004072
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 – BHADRAKALI is still mapped to IFSC UTIB0004072. 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 UTIB0004072 and the beneficiary's account number to complete the transfer.
Account types you can open at the Bhadrakali branch
Once you have an account at Axis Bank – BHADRAKALI, the IFSC UTIB0004072 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Products and services
Customers walking into the Bhadrakali 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 UTIB0004072
MICR & cheque-truncation details
Cheques drawn on the Bhadrakali branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0004072 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC UTIB0004072
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the BHADRAKALI 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 UTIB0004072 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.
Common mistakes to avoid when using IFSC UTIB0004072
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 – BHADRAKALI, 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:
UTIB0004072. - 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 Bhadrakali branch sits at GROUND FLOOR HOLDING NO 95 1 BPMP SARANI BHADRAKALI OPPOSITE UCO BANK HOOGHLY WEST BENGAL 712232. 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 UTIB0004072 and your account number.
Verifying IFSC UTIB0004072 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 UTIB0004072 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 33-22825185.
- Visiting the bank's official branch locator page.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Bhadrakali branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0004072, however, work 24x7.
Branch address & contact
Axis BankBhadrakali Branch
GROUND FLOOR HOLDING NO 95 1 BPMP SARANI BHADRAKALI OPPOSITE UCO BANK HOOGHLY WEST BENGAL 712232
Kolkata, West Bengal
Phone: 33-22825185
IFSC: UTIB0004072
Frequently asked questions
Does Axis Bank Bhadrakali branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 33-22825185 to confirm.
How quickly will an NEFT transfer using UTIB0004072 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Bhadrakali reflect within 30 minutes.
Is IFSC UTIB0004072 the same for all accounts at Bhadrakali branch?
Yes. The IFSC UTIB0004072 is shared by every account held at Axis Bank's Bhadrakali branch. Only the account number changes from customer to customer.
How do I add Axis Bank Bhadrakali as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0004072, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UTIB0004072 valid for NEFT and RTGS?
Yes. IFSC UTIB0004072 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Axis Bank Bhadrakali branch?
You can reach the branch at 33-22825185 during regular banking hours.
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 Bhadrakali branch but serve different purposes.
Summary
The IFSC code UTIB0004072 belongs to Axis Bank's BHADRAKALI branch, located at GROUND FLOOR HOLDING NO 95 1 BPMP SARANI BHADRAKALI OPPOSITE UCO BANK HOOGHLY… 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.
