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Axis Bank

PURULIYA ,WEST BENGAL BRANCH

IFSC CODE
UTIB0000397
MICR Code 723211002
Branch Code 000397
City / District PURULIYA
State WEST BENGAL
Office Address RANCHI ROAD NEAR PURULIYA CLUB,PURULIYA
Phone Not Available
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Understanding IFSC Code: The Digital DNA of Axis Bank

When performing any digital transaction in India, the Indian Financial System Code (IFSC) acts as a critical identifier. For the PURULIYA ,WEST BENGAL branch of Axis Bank, the code UTIB0000397 ensures that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual errors. In an era of instant payments, having the correct IFSC is as important as the account number itself.

Anatomy of the UTIB0000397 Code

An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:

First 4

Bank Identity

"UTIB" represents Axis Bank

5th Digit

Control Character

Always '0' (Reserved for future use)

Last 6

Branch Locator

Unique code for PURULIYA ,WEST BENGAL

Payment Systems Supported by UTIB0000397

System Transfer Limit Processing Time
NEFT No Minimum (Up to ₹50 Lakhs+) Half-hourly batches (24x7)
RTGS Minimum ₹2 Lakhs Real-time settlement
IMPS Up to ₹5 Lakhs Instant (Mobile/P2P)

Why do you need the MICR Code?

While IFSC is for digital transfers, the Magnetic Ink Character Recognition (MICR) code—723211002—is primarily used for the processing and clearance of physical cheques. This 9-digit code helps in identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing faster and error-free.

Bank Holidays & Availability

The Axis Bank in PURULIYA typically follows the RBI holiday calendar. Digital transfers via UTIB0000397 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.

Security Warning & Verification

Always verify the branch details before making a large payment. While UTIB0000397 is the valid code for PURULIYA ,WEST BENGAL at PURULIYA, ensure the beneficiary name matches perfectly in your mobile banking app.

RBI Verified NEFT Enabled RTGS 24x7

Bank Search Indexing & Metadata

Related Searches

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Financial Tools

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Branch Context

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