If you are searching for the IFSC code of Axis Bank, BIRATI branch in KOLKATA, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is UTIB0003865. 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 BIRATI branch, and detailed step-by-step guides for using the IFSC UTIB0003865 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, UTIB0003865 is the IFSC of Axis Bank's BIRATI branch. The format is fixed: UTIB = bank code, 0 = reserved, 003865 = branch identifier.
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Birati branch — IFSC UTIB0003865 — extends the bank's services to customers in and around Kolkata, West Bengal.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Birati |
| IFSC Code | UTIB0003865 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GR AND 1ST FLOOR,HOUSE NO.184,176 JESSORE RD,PO AND PS AIRPORT, DUM DUM MUNICIPALITY, N 24 PGS, KOL 81 |
| City | Kolkata |
| District | Kolkata |
| State | West Bengal |
| STD Code | 33 |
| Phone | 22825185 |
About this branch
The branch is located at GR AND 1ST FLOOR,HOUSE NO.184,176 JESSORE RD,PO AND PS AIRPORT, DUM DUM MUNICIPALITY, N 24 PGS, KOL 81. 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 UTIB0003865 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 BIRATI branch came to be assigned the code UTIB0003865.
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 UTIB0003865, money simply cannot be routed to the BIRATI branch electronically.
Products and account variants supported
Every account opened at the Birati branch is mapped to IFSC UTIB0003865 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 UTIB0003865.
Products and services
Customers walking into the Birati 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 UTIB0003865
How to transfer money using IFSC UTIB0003865
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 UTIB0003865 across all three.
NEFT to Axis Bank, BIRATI using IFSC UTIB0003865
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 UTIB0003865, and confirm that the system picks up Axis Bank – BIRATI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BIRATI
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's BIRATI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0003865 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 – BIRATI, use IMPS. With IFSC UTIB0003865 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 Birati
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 UTIB0003865:
- 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 BIRATI is still linked to IFSC UTIB0003865.
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 BIRATI branch, the IFSC UTIB0003865 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.
Digital banking channels
Most day-to-day work that customers used to do at the Birati 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 UTIB0003865 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.
MICR & cheque-truncation details
Cheques drawn on the Birati branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0003865 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC UTIB0003865
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 – BIRATI, 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:
UTIB0003865. - 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 Birati branch sits at GR AND 1ST FLOOR,HOUSE NO.184,176 JESSORE RD,PO AND PS AIRPORT, DUM DUM MUNICIPALITY, N 24 PGS, KOL 81. 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 UTIB0003865 and your account number.
Verifying IFSC UTIB0003865 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 UTIB0003865 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 Birati branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0003865, however, work 24x7.
Branch address & contact
Axis BankBirati Branch
GR AND 1ST FLOOR,HOUSE NO.184,176 JESSORE RD,PO AND PS AIRPORT, DUM DUM MUNICIPALITY, N 24 PGS, KOL 81
Kolkata, West Bengal
Phone: 33-22825185
IFSC: UTIB0003865
Frequently asked questions
Where is Axis Bank Birati branch located?
Axis Bank's Birati branch is located at GR AND 1ST FLOOR,HOUSE NO.184,176 JESSORE RD,PO AND PS AIRPORT, DUM DUM MUNICIPALITY, N 24 PGS, KOL 81, Kolkata, West Bengal.
Can I use IFSC UTIB0003865 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0003865 to send funds instantly.
How do I add Axis Bank Birati as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0003865, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UTIB0003865 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Birati reflect within 30 minutes.
Is IFSC UTIB0003865 valid for NEFT and RTGS?
Yes. IFSC UTIB0003865 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC UTIB0003865 the same for all accounts at Birati branch?
Yes. The IFSC UTIB0003865 is shared by every account held at Axis Bank's Birati branch. Only the account number changes from customer to customer.
Does Axis Bank Birati branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 33-22825185 to confirm.
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 Birati branch but serve different purposes.
Summary
The IFSC code UTIB0003865 belongs to Axis Bank's BIRATI branch, located at GR AND 1ST FLOOR,HOUSE NO.184,176 JESSORE RD,PO AND PS AIRPORT, DUM DUM… 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.
