This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, NANDAKUMAR branch in NANDAKUMAR. The 11-digit IFSC UTIB0005972 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 NANDAKUMAR 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 – NANDAKUMAR is UTIB0005972. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 005972 map to this branch in NANDAKUMAR, WEST BENGAL.
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Nandakumar branch in Nandakumar, West Bengal is part of this network and uses the IFSC code UTIB0005972 for all electronic settlement.
About this branch
The branch is located at GROUND FLOOR, DAG NO 1595, JL NO 82, PO NANDAKUMAR, PS NANDAKUMAR. It serves the Nandakumar 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 UTIB0005972 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Nandakumar |
| IFSC Code | UTIB0005972 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, DAG NO 1595, JL NO 82, PO NANDAKUMAR, PS NANDAKUMAR |
| City | Nandakumar |
| District | East Midnapur |
| State | West Bengal |
| STD Code | 3228 |
| Phone | 9775684125 |
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 NANDAKUMAR branch came to be assigned the code UTIB0005972.
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 UTIB0005972, money simply cannot be routed to the NANDAKUMAR branch electronically.
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 UTIB0005972 and the account number together uniquely identify the Nandakumar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UTIB0005972
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 UTIB0005972 across all three.
NEFT to Axis Bank, NANDAKUMAR using IFSC UTIB0005972
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 UTIB0005972, and confirm that the system picks up Axis Bank – NANDAKUMAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to NANDAKUMAR
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's NANDAKUMAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0005972 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank NANDAKUMAR (IFSC UTIB0005972)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0005972 in your mobile or internet banking app, and the money is credited to the NANDAKUMAR branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Nandakumar
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 UTIB0005972:
- 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 NANDAKUMAR is still linked to IFSC UTIB0005972.
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 UTIB0005972
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 – NANDAKUMAR is still mapped to IFSC UTIB0005972. 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 UTIB0005972 and the beneficiary's account number to complete the transfer.
Account types you can open at the Nandakumar branch
Once you have an account at Axis Bank – NANDAKUMAR, the IFSC UTIB0005972 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 Nandakumar 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 UTIB0005972
Digital banking channels
Most day-to-day work that customers used to do at the Nandakumar branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC UTIB0005972 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
How to reach the Nandakumar branch
The branch is located at GROUND FLOOR, DAG NO 1595, JL NO 82, PO NANDAKUMAR, PS NANDAKUMAR, which puts it inside Nandakumar, the broader East Midnapur district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Nandakumar branch” — the verified location pin for IFSC UTIB0005972 should appear at the top of the results.
- Confirm the branch is open by calling 3228-9775684125 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 UTIB0005972 and your account number.
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 – NANDAKUMAR:
- The IFSC is exactly UTIB0005972 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 NANDAKUMAR 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.
Working hours
Branch counters at Nandakumar 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 UTIB0005972 continue to work without interruption.
Verifying IFSC UTIB0005972 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 UTIB0005972 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 3228-9775684125.
- Visiting the bank's official branch locator page.
Branch address & contact
Axis BankNandakumar Branch
GROUND FLOOR, DAG NO 1595, JL NO 82, PO NANDAKUMAR, PS NANDAKUMAR
Nandakumar, West Bengal
Phone: 3228-9775684125
IFSC: UTIB0005972
Frequently asked questions
Can I use IFSC UTIB0005972 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0005972 to send funds instantly.
Does Axis Bank Nandakumar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 3228-9775684125 to confirm.
Is IFSC UTIB0005972 the same for all accounts at Nandakumar branch?
Yes. The IFSC UTIB0005972 is shared by every account held at Axis Bank's Nandakumar branch. Only the account number changes from customer to customer.
Where is Axis Bank Nandakumar branch located?
Axis Bank's Nandakumar branch is located at GROUND FLOOR, DAG NO 1595, JL NO 82, PO NANDAKUMAR, PS NANDAKUMAR, Nandakumar, West Bengal.
How do I add Axis Bank Nandakumar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0005972, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UTIB0005972 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Nandakumar reflect within 30 minutes.
Is IFSC UTIB0005972 valid for NEFT and RTGS?
Yes. IFSC UTIB0005972 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code UTIB0005972 belongs to Axis Bank's NANDAKUMAR branch, located at GROUND FLOOR, DAG NO 1595, JL NO 82, PO NANDAKUMAR, PS NANDAKUMAR in NANDAKUMAR, 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.
