This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, MADHUPUR branch in MADHUPUR. The 11-digit IFSC UTIB0004103 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 MADHUPUR 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 – MADHUPUR is UTIB0004103. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004103 map to this branch in MADHUPUR, JHARKHAND.
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Madhupur branch — IFSC UTIB0004103 — extends the bank's services to customers in and around Madhupur, Jharkhand.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Madhupur |
| IFSC Code | UTIB0004103 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR HOLDING NO 299 KUNDU BARI ROAD WARD NO10 12 OLD MADHUPUR JHARKHAND |
| City | Madhupur |
| District | Deoghar |
| State | Jharkhand |
| STD Code | 6438 |
| Phone | 8873223288 |
About this branch
The branch is located at GROUND FLOOR HOLDING NO 299 KUNDU BARI ROAD WARD NO10 12 OLD MADHUPUR JHARKHAND. It serves the Madhupur 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 UTIB0004103 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 MADHUPUR branch came to be assigned the code UTIB0004103.
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 UTIB0004103, money simply cannot be routed to the MADHUPUR branch electronically.
Account types you can open at the Madhupur branch
Once you have an account at Axis Bank – MADHUPUR, the IFSC UTIB0004103 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 Madhupur 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 UTIB0004103
How to transfer money using IFSC UTIB0004103
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 UTIB0004103 across all three.
NEFT to Axis Bank, MADHUPUR using IFSC UTIB0004103
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 UTIB0004103, and confirm that the system picks up Axis Bank – MADHUPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to MADHUPUR
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's MADHUPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0004103 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 – MADHUPUR, use IMPS. With IFSC UTIB0004103 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 UTIB0004103 for Axis Bank – MADHUPUR, 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 – UTIB0004103 | Yes – UTIB0004103 | Yes – UTIB0004103 |
For most retail customers crediting the Madhupur 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 UTIB0004103
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 – MADHUPUR is still mapped to IFSC UTIB0004103. 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 UTIB0004103 and the beneficiary's account number to complete the transfer.
Online banking and IFSC UTIB0004103
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the MADHUPUR 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 UTIB0004103 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.
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 UTIB0004103 and the account number together uniquely identify the Madhupur 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 UTIB0004103
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 – MADHUPUR, 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:
UTIB0004103. - 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 Madhupur branch sits at GROUND FLOOR HOLDING NO 299 KUNDU BARI ROAD WARD NO10 12 OLD MADHUPUR JHARKHAND. If you are travelling from outside Madhupur, search for the branch on a maps application using the bank name and locality, or call 6438-8873223288 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 UTIB0004103 and your account number.
Verifying IFSC UTIB0004103 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 UTIB0004103 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 6438-8873223288.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Madhupur are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to UTIB0004103 continue to work without interruption.
Branch address & contact
Axis BankMadhupur Branch
GROUND FLOOR HOLDING NO 299 KUNDU BARI ROAD WARD NO10 12 OLD MADHUPUR JHARKHAND
Madhupur, Jharkhand
Phone: 6438-8873223288
IFSC: UTIB0004103
Frequently asked questions
What is the phone number of Axis Bank Madhupur branch?
You can reach the branch at 6438-8873223288 during regular banking hours.
Is IFSC UTIB0004103 valid for NEFT and RTGS?
Yes. IFSC UTIB0004103 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC UTIB0004103 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0004103 to send funds instantly.
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 Madhupur branch but serve different purposes.
Is IFSC UTIB0004103 the same for all accounts at Madhupur branch?
Yes. The IFSC UTIB0004103 is shared by every account held at Axis Bank's Madhupur branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using UTIB0004103 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Madhupur reflect within 30 minutes.
Final notes
To recap: UTIB0004103 is the IFSC code of Axis Bank, MADHUPUR branch, in MADHUPUR, JHARKHAND. 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.
