Use this page as a one-stop reference for everything related to Axis Bank's BHILO KI KHEDI branch in SAILANA, MADHYA PRADESH. The branch's IFSC code UTIB0005092 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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, UTIB0005092 is the IFSC of Axis Bank's BHILO KI KHEDI branch. The format is fixed: UTIB = bank code, 0 = reserved, 005092 = branch identifier.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Bhilo Ki Khedi |
| IFSC Code | UTIB0005092 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHOP NO 1 SURVEY NO 594 2 1 NEAR SHANI MANDIR, BODINA RAAD, VILLAGE BHILO KI KHEDI, TEHSIL SAILANA |
| City | Sailana |
| District | Ratlam |
| State | Madhya Pradesh |
| STD Code | 7413 |
| Phone | 9243234663 |
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Bhilo Ki Khedi branch — IFSC UTIB0005092 — extends the bank's services to customers in and around Sailana, Madhya Pradesh.
About the Bhilo Ki Khedi branch
The Bhilo Ki Khedi branch of Axis Bank is situated at SHOP NO 1 SURVEY NO 594 2 1 NEAR SHANI MANDIR, BODINA RAAD, VILLAGE BHILO KI KHEDI, TEHSIL SAILANA. 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 UTIB0005092 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 BHILO KI KHEDI of Axis Bank — its own 11-character IFSC. The code UTIB0005092 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 UTIB0005092 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC UTIB0005092
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 UTIB0005092 across all three.
NEFT to Axis Bank, BHILO KI KHEDI using IFSC UTIB0005092
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 UTIB0005092, and confirm that the system picks up Axis Bank – BHILO KI KHEDI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BHILO KI KHEDI
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's BHILO KI KHEDI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0005092 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank BHILO KI KHEDI (IFSC UTIB0005092)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0005092 in your mobile or internet banking app, and the money is credited to the BHILO KI KHEDI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0005092 for Axis Bank – BHILO KI KHEDI, 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 – UTIB0005092 | Yes – UTIB0005092 | Yes – UTIB0005092 |
For most retail customers crediting the Bhilo Ki Khedi 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 BHILO KI KHEDI branch, the IFSC UTIB0005092 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.
Products and account variants supported
Every account opened at the Bhilo Ki Khedi branch is mapped to IFSC UTIB0005092 on the RBI payments network. The branch generally supports the full retail product catalogue of Axis Bank, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains UTIB0005092.
Products and services
Customers walking into the Bhilo Ki Khedi 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 UTIB0005092
MICR & cheque-truncation details
Cheques drawn on the Bhilo Ki Khedi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0005092 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC UTIB0005092
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the BHILO KI KHEDI 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 UTIB0005092 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.
Common mistakes to avoid when using IFSC UTIB0005092
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 – BHILO KI KHEDI, 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:
UTIB0005092. - 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.
How to reach the Bhilo Ki Khedi branch
The branch is located at SHOP NO 1 SURVEY NO 594 2 1 NEAR SHANI MANDIR, BODINA RAAD, VILLAGE BHILO KI KHEDI, TEHSIL SAILANA, which puts it inside Sailana, the broader Ratlam district, and the state of Madhya Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Bhilo Ki Khedi branch” — the verified location pin for IFSC UTIB0005092 should appear at the top of the results.
- Confirm the branch is open by calling 7413-9243234663 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 UTIB0005092 and your account number.
Verifying IFSC UTIB0005092 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 UTIB0005092 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 7413-9243234663.
- 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 Bhilo Ki Khedi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0005092, however, work 24x7.
Branch address & contact
Axis BankBhilo Ki Khedi Branch
SHOP NO 1 SURVEY NO 594 2 1 NEAR SHANI MANDIR, BODINA RAAD, VILLAGE BHILO KI KHEDI, TEHSIL SAILANA
Sailana, Madhya Pradesh
Phone: 7413-9243234663
IFSC: UTIB0005092
Frequently asked questions
Is IFSC UTIB0005092 valid for NEFT and RTGS?
Yes. IFSC UTIB0005092 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC UTIB0005092 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0005092 to send funds instantly.
Is IFSC UTIB0005092 the same for all accounts at Bhilo Ki Khedi branch?
Yes. The IFSC UTIB0005092 is shared by every account held at Axis Bank's Bhilo Ki Khedi branch. Only the account number changes from customer to customer.
What is the IFSC code of Axis Bank Bhilo Ki Khedi branch?
The IFSC code of Axis Bank, Bhilo Ki Khedi branch is UTIB0005092. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Axis Bank Bhilo Ki Khedi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0005092, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UTIB0005092 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Bhilo Ki Khedi reflect within 30 minutes.
What is the phone number of Axis Bank Bhilo Ki Khedi branch?
You can reach the branch at 7413-9243234663 during regular banking hours.
Does Axis Bank Bhilo Ki Khedi branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 7413-9243234663 to confirm.
Summary
The IFSC code UTIB0005092 belongs to Axis Bank's BHILO KI KHEDI branch, located at SHOP NO 1 SURVEY NO 594 2 1 NEAR SHANI MANDIR, BODINA RAAD, VILLAGE BHILO KI… in SAILANA, MADHYA PRADESH. 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.
