If you are searching for the IFSC code of Axis Bank, ENGLISH BAZAR, MALDA branch in MALDA, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is UTIB0001981. 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 ENGLISH BAZAR, MALDA branch, and detailed step-by-step guides for using the IFSC UTIB0001981 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, UTIB0001981 is the IFSC of Axis Bank's ENGLISH BAZAR, MALDA branch. The format is fixed: UTIB = bank code, 0 = reserved, 001981 = branch identifier.
About Axis Bank
Axis Bank operates a wide network of branches across India, including the English Bazar, Malda branch in Malda. 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, UTIB0001981.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | English Bazar, Malda |
| IFSC Code | UTIB0001981 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR,MANASKAMANA ROAD,ENGLISH BAZAR, MALDA NEAR SUKANTA MORE, HOLDING NO.(NEW)/11, PS ENGLISH BAZAR,MALDA, WEST BENGAL,PIN 732101 |
| City | Malda |
| District | Maldah |
| State | West Bengal |
About the English Bazar, Malda branch
The English Bazar, Malda branch of Axis Bank is situated at GROUND FLOOR,MANASKAMANA ROAD,ENGLISH BAZAR, MALDA NEAR SUKANTA MORE, HOLDING NO.(NEW)/11, PS ENGLISH BAZAR,MALDA, WEST BENGAL,PIN 732101. 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 UTIB0001981 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 ENGLISH BAZAR, MALDA of Axis Bank — its own 11-character IFSC. The code UTIB0001981 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 UTIB0001981 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the English Bazar, Malda branch
Once you have an account at Axis Bank – ENGLISH BAZAR, MALDA, the IFSC UTIB0001981 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 English Bazar, Malda 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 UTIB0001981
How to transfer money using IFSC UTIB0001981
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 UTIB0001981 across all three.
How to use IFSC UTIB0001981 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's ENGLISH BAZAR, MALDA 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 UTIB0001981.
- Confirm the bank name auto-populates as Axis Bank and the branch as ENGLISH BAZAR, MALDA.
- 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 ENGLISH BAZAR, MALDA
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's ENGLISH BAZAR, MALDA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0001981 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank ENGLISH BAZAR, MALDA (IFSC UTIB0001981)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0001981 in your mobile or internet banking app, and the money is credited to the ENGLISH BAZAR, MALDA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0001981 for Axis Bank – ENGLISH BAZAR, MALDA, 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 – UTIB0001981 | Yes – UTIB0001981 | Yes – UTIB0001981 |
For most retail customers crediting the English Bazar, Malda 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.
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 ENGLISH BAZAR, MALDA branch, the IFSC UTIB0001981 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.
Online banking and IFSC UTIB0001981
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the ENGLISH BAZAR, MALDA 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 UTIB0001981 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 & cheque-truncation details
Cheques drawn on the English Bazar, Malda branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0001981 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 UTIB0001981
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 – ENGLISH BAZAR, MALDA, 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:
UTIB0001981. - 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 English Bazar, Malda branch sits at GROUND FLOOR,MANASKAMANA ROAD,ENGLISH BAZAR, MALDA NEAR SUKANTA MORE, HOLDING NO.(NEW)/11, PS ENGLISH BAZAR,MALDA, WEST BENGAL,PIN 732101. If you are travelling from outside Malda, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 UTIB0001981 and your account number.
Verifying IFSC UTIB0001981 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 UTIB0001981 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 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 English Bazar, Malda branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0001981, however, work 24x7.
Branch address & contact
Axis BankEnglish Bazar, Malda Branch
GROUND FLOOR,MANASKAMANA ROAD,ENGLISH BAZAR, MALDA NEAR SUKANTA MORE, HOLDING NO.(NEW)/11, PS ENGLISH BAZAR,MALDA, WEST BENGAL,PIN 732101
Malda, West Bengal
Phone: the branch contact number
IFSC: UTIB0001981
Frequently asked questions
Does Axis Bank English Bazar, Malda branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
What is the phone number of Axis Bank English Bazar, Malda branch?
You can reach the branch at the branch contact number during regular banking hours.
Can I use IFSC UTIB0001981 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0001981 to send funds instantly.
Is IFSC UTIB0001981 valid for NEFT and RTGS?
Yes. IFSC UTIB0001981 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using UTIB0001981 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – English Bazar, Malda reflect within 30 minutes.
How do I add Axis Bank English Bazar, Malda as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0001981, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UTIB0001981 the same for all accounts at English Bazar, Malda branch?
Yes. The IFSC UTIB0001981 is shared by every account held at Axis Bank's English Bazar, Malda branch. Only the account number changes from customer to customer.
Summary
The IFSC code UTIB0001981 belongs to Axis Bank's ENGLISH BAZAR, MALDA branch, located at GROUND FLOOR,MANASKAMANA ROAD,ENGLISH BAZAR, MALDA NEAR SUKANTA MORE, … in MALDA, 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.
