IFSC Code of Axis Bank, Khagaul Road Branch Branch, Bihar

If you are searching for the IFSC code of Axis Bank, KHAGAUL ROAD BRANCH branch in PATNA, BIHAR, this page has every detail you need. The verified IFSC code for this branch is UTIB0005248. 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 KHAGAUL ROAD BRANCH branch, and detailed step-by-step guides for using the IFSC UTIB0005248 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.

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 KHAGAUL ROAD BRANCH branch, the IFSC UTIB0005248 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 005248 identifies this particular branch.

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Khagaul Road Branch branch — IFSC UTIB0005248 — extends the bank's services to customers in and around Patna, Bihar.

Branch details at a glance

About this branch

The branch is located at UPPER GROUND FLR SHOP NO 1 AND 15, BHAWANI COMPLEX MAIN SAGUNA KHAUGAUL RD, OPP RADIANT SCHOOL PO PS KHAGAUL PATNA, BIHAR 800015. It serves the Patna 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 UTIB0005248 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 KHAGAUL ROAD BRANCH branch came to be assigned the code UTIB0005248.

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 UTIB0005248, money simply cannot be routed to the KHAGAUL ROAD BRANCH branch electronically.

Account types you can open at the Khagaul Road Branch branch

Once you have an account at Axis Bank – KHAGAUL ROAD BRANCH, the IFSC UTIB0005248 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.

Banking services available

The Khagaul Road Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 612-9386412455.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC UTIB0005248

How to transfer money using IFSC UTIB0005248

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 UTIB0005248 across all three.

How to use IFSC UTIB0005248 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's KHAGAUL ROAD BRANCH 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 UTIB0005248.
4. Confirm the bank name auto-populates as Axis Bank and the branch as KHAGAUL ROAD BRANCH.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UTIB0005248

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Axis Bank – KHAGAUL ROAD BRANCH, ensure your bank's portal accepts IFSC UTIB0005248 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Axis Bank – KHAGAUL ROAD BRANCH, use IMPS. With IFSC UTIB0005248 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 UTIB0005248 for Axis Bank – KHAGAUL ROAD BRANCH, 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 Khagaul Road Branch 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 UTIB0005248

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 – KHAGAUL ROAD BRANCH is still mapped to IFSC UTIB0005248. 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 UTIB0005248 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UTIB0005248

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the KHAGAUL ROAD BRANCH 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 UTIB0005248 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 Khagaul Road Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0005248 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 UTIB0005248

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 – KHAGAUL ROAD BRANCH, 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: UTIB0005248.
• 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 Khagaul Road Branch branch sits at UPPER GROUND FLR SHOP NO 1 AND 15, BHAWANI COMPLEX MAIN SAGUNA KHAUGAUL RD, OPP RADIANT SCHOOL PO PS KHAGAUL PATNA, BIHAR 800015. If you are travelling from outside Patna, search for the branch on a maps application using the bank name and locality, or call 612-9386412455 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 UTIB0005248 and your account number.

Verifying IFSC UTIB0005248 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 UTIB0005248 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 612-9386412455.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Khagaul Road Branch 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 UTIB0005248 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0005248 belongs to Axis Bank's KHAGAUL ROAD BRANCH branch, located at UPPER GROUND FLR SHOP NO 1 AND 15, BHAWANI COMPLEX MAIN SAGUNA KHAUGAUL RD,… in PATNA, BIHAR. 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.