IFSC Code of Axis Bank, Naharkatia Branch, Assam

Below are the complete branch details for Axis Bank, NAHARKATIA branch, located in NAHARKATIA, ASSAM. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0004096. 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 UTIB0004096 for Axis Bank – NAHARKATIA — 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 NAHARKATIA branch, the IFSC UTIB0004096 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 004096 identifies this particular branch.

Branch details at a glance

About Axis Bank

Axis Bank operates a wide network of branches across India, including the Naharkatia branch in Naharkatia. 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, UTIB0004096.

Naharkatia branch overview

Located at GROUND FLOOR BHARTIA COMPLEX NAHARKATIA MAIN ROAD NEAR SBI PO PS NAHARKATIA DIST DIBRUAGARH PIN 786610, the Naharkatia branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0004096 is required for all interbank electronic transfers routed through this branch.

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 NAHARKATIA branch came to be assigned the code UTIB0004096.

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 UTIB0004096, money simply cannot be routed to the NAHARKATIA branch electronically.

How to transfer money using IFSC UTIB0004096

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 UTIB0004096 across all three.

How to use IFSC UTIB0004096 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's NAHARKATIA 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UTIB0004096.
4. Confirm the bank name auto-populates as Axis Bank and the branch as NAHARKATIA.
5. 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 NAHARKATIA

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's NAHARKATIA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0004096 while initiating the transfer and the credit will appear within minutes.

IMPS to Axis Bank NAHARKATIA (IFSC UTIB0004096)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0004096 in your mobile or internet banking app, and the money is credited to the NAHARKATIA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UTIB0004096 for Axis Bank – NAHARKATIA, 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.

For most retail customers crediting the Naharkatia 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 UTIB0004096

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 – NAHARKATIA is still mapped to IFSC UTIB0004096. 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 UTIB0004096 and the beneficiary's account number to complete the transfer.

Account types you can open at the Naharkatia branch

Once you have an account at Axis Bank – NAHARKATIA, the IFSC UTIB0004096 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 Naharkatia 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 UTIB0004096

MICR & cheque-truncation details

Cheques drawn on the Naharkatia branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0004096 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC UTIB0004096

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the NAHARKATIA 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 UTIB0004096 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 – NAHARKATIA:

• The IFSC is exactly UTIB0004096 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 NAHARKATIA 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.

How to reach the Naharkatia branch

The branch is located at GROUND FLOOR BHARTIA COMPLEX NAHARKATIA MAIN ROAD NEAR SBI PO PS NAHARKATIA DIST DIBRUAGARH PIN 786610, which puts it inside Naharkatia, the broader Dibrugarh district, and the state of Assam. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Naharkatia branch” — the verified location pin for IFSC UTIB0004096 should appear at the top of the results.
2. Confirm the branch is open by calling 37538-8876508507 before stepping out, especially around public holidays.
3. 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 UTIB0004096 and your account number.

Verifying IFSC UTIB0004096 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 UTIB0004096 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 37538-8876508507.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Naharkatia 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 UTIB0004096 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0004096 is the IFSC code of Axis Bank, NAHARKATIA branch, in NAHARKATIA, ASSAM. 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.