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Axis Bank

NIHARIKA KORBA BRANCH

+918878767687

IFSC CODE
UTIB0004897
MICR Code 495211304
Branch Code 004897
City / District SAMBALPUR CG
State CHHATTISGARH
Office Address GR FL, PLOT 78, SITUATED AT C1C2, KASABADI, KORBA, TEHSHIL AND DIST KORBA, CHHATTISGARH, PIN 495677
Phone +918878767687
📍 View Branch on Google Maps

Related Branches

UTIB0004807

SAMBALPUR CG

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 NIHARIKA KORBA branch of Axis Bank, the code UTIB0004897 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 UTIB0004897 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 NIHARIKA KORBA

Payment Systems Supported by UTIB0004897

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—495211304—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 SAMBALPUR CG typically follows the RBI holiday calendar. Digital transfers via UTIB0004897 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 UTIB0004897 is the valid code for NIHARIKA KORBA at SAMBALPUR CG, ensure the beneficiary name matches perfectly in your mobile banking app.

RBI Verified NEFT Enabled RTGS 24x7

Bank Search Indexing & Metadata

Related Searches

  • • Axis Bank Branch List
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Financial Tools

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Branch Context

  • • NIHARIKA KORBA Contact
  • • Address of Axis Bank
  • • MICR Code Finder
  • • CHHATTISGARH Banking Circle

Platform Links

  • • Anand Design DevBox
  • • SEO Performance Hub
  • • Webmaster Tools
  • • IFSC Finder v2.0

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