Use this page as a one-stop reference for everything related to Axis Bank's NEW GARIA branch in KOLKATA, WEST BENGAL. The branch's IFSC code UTIB0001482 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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 – NEW GARIA is UTIB0001482. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001482 map to this branch in KOLKATA, WEST BENGAL.
About Axis Bank
Axis Bank operates a wide network of branches across India, including the New Garia branch in Kolkata. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UTIB0001482.
About the New Garia branch
The New Garia branch of Axis Bank is situated at 25, SRINAGAR MAIN ROAD , NEW GARIA, DIST. SOUTH 24 PARGANAS, KOLKATA, WEST BENGAL , PIN 700094. 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 UTIB0001482 is used.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | New Garia |
| IFSC Code | UTIB0001482 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 25, SRINAGAR MAIN ROAD , NEW GARIA, DIST. SOUTH 24 PARGANAS, KOLKATA, WEST BENGAL , PIN 700094 |
| City | Kolkata |
| District | Kolkata |
| State | West Bengal |
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 NEW GARIA branch came to be assigned the code UTIB0001482.
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 UTIB0001482, money simply cannot be routed to the NEW GARIA branch electronically.
MICR & cheque-truncation details
Cheques drawn on the New Garia branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0001482 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC UTIB0001482
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 UTIB0001482 across all three.
NEFT to Axis Bank, NEW GARIA using IFSC UTIB0001482
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 UTIB0001482, and confirm that the system picks up Axis Bank – NEW GARIA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to NEW GARIA
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's NEW GARIA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0001482 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 – NEW GARIA, use IMPS. With IFSC UTIB0001482 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 New Garia
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 UTIB0001482:
- 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 NEW GARIA is still linked to IFSC UTIB0001482.
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 NEW GARIA branch, the IFSC UTIB0001482 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.
Account types you can open at the New Garia branch
Once you have an account at Axis Bank – NEW GARIA, the IFSC UTIB0001482 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 New Garia 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 UTIB0001482
Online banking and IFSC UTIB0001482
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the NEW GARIA 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 UTIB0001482 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.
How to reach the New Garia branch
The branch is located at 25, SRINAGAR MAIN ROAD , NEW GARIA, DIST. SOUTH 24 PARGANAS, KOLKATA, WEST BENGAL , PIN 700094, which puts it inside Kolkata, the broader Kolkata district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank New Garia branch” — the verified location pin for IFSC UTIB0001482 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC UTIB0001482 and your account number.
Common mistakes to avoid when using IFSC UTIB0001482
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 – NEW GARIA, 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:
UTIB0001482. - 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.
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 New Garia branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0001482, however, work 24x7.
Verifying IFSC UTIB0001482 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 UTIB0001482 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on the branch contact number.
- Visiting the bank's official branch locator page.
Branch address & contact
Axis BankNew Garia Branch
25, SRINAGAR MAIN ROAD , NEW GARIA, DIST. SOUTH 24 PARGANAS, KOLKATA, WEST BENGAL , PIN 700094
Kolkata, West Bengal
Phone: the branch contact number
IFSC: UTIB0001482
Frequently asked questions
How do I add Axis Bank New Garia as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0001482, and complete OTP verification. Once activated, you can transfer funds at any time.
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 New Garia branch but serve different purposes.
What is the phone number of Axis Bank New Garia branch?
You can reach the branch at the branch contact number during regular banking hours.
Where is Axis Bank New Garia branch located?
Axis Bank's New Garia branch is located at 25, SRINAGAR MAIN ROAD , NEW GARIA, DIST. SOUTH 24 PARGANAS, KOLKATA, WEST BENGAL , PIN 700094, Kolkata, West Bengal.
Does Axis Bank New Garia branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Is IFSC UTIB0001482 the same for all accounts at New Garia branch?
Yes. The IFSC UTIB0001482 is shared by every account held at Axis Bank's New Garia branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using UTIB0001482 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – New Garia reflect within 30 minutes.
Can I use IFSC UTIB0001482 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0001482 to send funds instantly.
Summary
The IFSC code UTIB0001482 belongs to Axis Bank's NEW GARIA branch, located at 25, SRINAGAR MAIN ROAD , NEW GARIA, DIST. SOUTH 24 PARGANAS, KOLKATA, WEST… 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.
