IFSC Code of Axis Bank, Laxmiganj Bazar Chandernagore Branch, West Bengal

This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, LAXMIGANJ BAZAR CHANDERNAGORE branch in KOLKATA. The 11-digit IFSC UTIB0004412 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 LAXMIGANJ BAZAR CHANDERNAGORE 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.

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 – LAXMIGANJ BAZAR CHANDERNAGORE is UTIB0004412. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004412 map to this branch in KOLKATA, WEST BENGAL.

Branch details at a glance

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Laxmiganj Bazar Chandernagore branch — IFSC UTIB0004412 — extends the bank's services to customers in and around Kolkata, West Bengal.

About this branch

The branch is located at 20GT ROAD CHANDERNAGORE 711201. 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 UTIB0004412 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 LAXMIGANJ BAZAR CHANDERNAGORE branch came to be assigned the code UTIB0004412.

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 UTIB0004412, money simply cannot be routed to the LAXMIGANJ BAZAR CHANDERNAGORE branch electronically.

How to transfer money using IFSC UTIB0004412

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 UTIB0004412 across all three.

NEFT to Axis Bank, LAXMIGANJ BAZAR CHANDERNAGORE using IFSC UTIB0004412

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 UTIB0004412, and confirm that the system picks up Axis Bank – LAXMIGANJ BAZAR CHANDERNAGORE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UTIB0004412

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 – LAXMIGANJ BAZAR CHANDERNAGORE, ensure your bank's portal accepts IFSC UTIB0004412 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Axis Bank LAXMIGANJ BAZAR CHANDERNAGORE (IFSC UTIB0004412)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0004412 in your mobile or internet banking app, and the money is credited to the LAXMIGANJ BAZAR CHANDERNAGORE branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Laxmiganj Bazar Chandernagore

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 UTIB0004412:

• 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 LAXMIGANJ BAZAR CHANDERNAGORE is still linked to IFSC UTIB0004412.

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.

UPI payments and IFSC UTIB0004412

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 – LAXMIGANJ BAZAR CHANDERNAGORE is still mapped to IFSC UTIB0004412. 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 UTIB0004412 and the beneficiary's account number to complete the transfer.

Account types you can open at the Laxmiganj Bazar Chandernagore branch

Once you have an account at Axis Bank – LAXMIGANJ BAZAR CHANDERNAGORE, the IFSC UTIB0004412 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.

Banking services available

The Laxmiganj Bazar Chandernagore branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-40717085.

• 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 UTIB0004412

MICR & cheque-truncation details

Cheques drawn on the Laxmiganj Bazar Chandernagore branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0004412 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC UTIB0004412

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the LAXMIGANJ BAZAR CHANDERNAGORE 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 UTIB0004412 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 – LAXMIGANJ BAZAR CHANDERNAGORE:

• The IFSC is exactly UTIB0004412 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 LAXMIGANJ BAZAR CHANDERNAGORE 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 Laxmiganj Bazar Chandernagore branch sits at 20GT ROAD CHANDERNAGORE 711201. If you are travelling from outside Kolkata, search for the branch on a maps application using the bank name and locality, or call 33-40717085 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 UTIB0004412 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0004412 for Axis Bank – LAXMIGANJ BAZAR CHANDERNAGORE, 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.

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 Laxmiganj Bazar Chandernagore branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0004412, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0004412 is the IFSC code of Axis Bank, LAXMIGANJ BAZAR CHANDERNAGORE 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.