Below are the complete branch details for Axis Bank, KHADINA MORE CHINSURAH branch, located in KOLKATA, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0004182. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UTIB0004182 for Axis Bank – KHADINA MORE CHINSURAH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 KHADINA MORE CHINSURAH branch, the IFSC UTIB0004182 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 004182 identifies this particular branch.
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Khadina More Chinsurah branch in Kolkata, West Bengal is part of this network and uses the IFSC code UTIB0004182 for all electronic settlement.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Khadina More Chinsurah |
| IFSC Code | UTIB0004182 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR JL NO 17 CHINSURAH STATION ROAD LAND MARK MUKHERJEE BAGAN PO CHINSURAH DIST HUGLI WB 712102 |
| City | Kolkata |
| District | Kolkata |
| State | West Bengal |
| STD Code | 33 |
| Phone | 22825185 |
About the Khadina More Chinsurah branch
The Khadina More Chinsurah branch of Axis Bank is situated at GROUND FLOOR JL NO 17 CHINSURAH STATION ROAD LAND MARK MUKHERJEE BAGAN PO CHINSURAH DIST HUGLI WB 712102. 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 UTIB0004182 is used.
Why every Axis Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including KHADINA MORE CHINSURAH of Axis Bank — its own 11-character IFSC. The code UTIB0004182 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC UTIB0004182 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Khadina More Chinsurah branch is mapped to IFSC UTIB0004182 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 UTIB0004182.
Products and services
Customers walking into the Khadina More Chinsurah 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 UTIB0004182
How to transfer money using IFSC UTIB0004182
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 UTIB0004182 across all three.
How to use IFSC UTIB0004182 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's KHADINA MORE CHINSURAH branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC UTIB0004182.
- Confirm the bank name auto-populates as Axis Bank and the branch as KHADINA MORE CHINSURAH.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to KHADINA MORE CHINSURAH
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's KHADINA MORE CHINSURAH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0004182 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank KHADINA MORE CHINSURAH (IFSC UTIB0004182)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0004182 in your mobile or internet banking app, and the money is credited to the KHADINA MORE CHINSURAH branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0004182 for Axis Bank – KHADINA MORE CHINSURAH, 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 – UTIB0004182 | Yes – UTIB0004182 | Yes – UTIB0004182 |
For most retail customers crediting the Khadina More Chinsurah 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 UTIB0004182
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 – KHADINA MORE CHINSURAH is still mapped to IFSC UTIB0004182. 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 UTIB0004182 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Khadina More Chinsurah 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 UTIB0004182 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 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 UTIB0004182 and the account number together uniquely identify the Khadina More Chinsurah branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC UTIB0004182
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 – KHADINA MORE CHINSURAH, 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:
UTIB0004182. - 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 Khadina More Chinsurah branch sits at GROUND FLOOR JL NO 17 CHINSURAH STATION ROAD LAND MARK MUKHERJEE BAGAN PO CHINSURAH DIST HUGLI WB 712102. 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 UTIB0004182 and your account number.
Verifying IFSC UTIB0004182 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 UTIB0004182 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 Khadina More Chinsurah branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0004182, however, work 24x7.
Branch address & contact
Axis BankKhadina More Chinsurah Branch
GROUND FLOOR JL NO 17 CHINSURAH STATION ROAD LAND MARK MUKHERJEE BAGAN PO CHINSURAH DIST HUGLI WB 712102
Kolkata, West Bengal
Phone: 33-22825185
IFSC: UTIB0004182
Frequently asked questions
How quickly will an NEFT transfer using UTIB0004182 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Khadina More Chinsurah reflect within 30 minutes.
Is IFSC UTIB0004182 valid for NEFT and RTGS?
Yes. IFSC UTIB0004182 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Axis Bank Khadina More Chinsurah branch located?
Axis Bank's Khadina More Chinsurah branch is located at GROUND FLOOR JL NO 17 CHINSURAH STATION ROAD LAND MARK MUKHERJEE BAGAN PO CHINSURAH DIST HUGLI WB 712102, Kolkata, West Bengal.
How do I add Axis Bank Khadina More Chinsurah as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0004182, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Axis Bank Khadina More Chinsurah 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 Khadina More Chinsurah branch but serve different purposes.
What is the IFSC code of Axis Bank Khadina More Chinsurah branch?
The IFSC code of Axis Bank, Khadina More Chinsurah branch is UTIB0004182. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UTIB0004182 the same for all accounts at Khadina More Chinsurah branch?
Yes. The IFSC UTIB0004182 is shared by every account held at Axis Bank's Khadina More Chinsurah branch. Only the account number changes from customer to customer.
Final notes
To recap: UTIB0004182 is the IFSC code of Axis Bank, KHADINA MORE CHINSURAH branch, in KOLKATA, WEST BENGAL. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
