Bhaga Bazar — Axis Bank, Cachar

About Bhaga Bazar Branch — Axis Bank

The Bhaga Bazar branch of Axis Bank is located at Ground Floor, Nh 306, Near Indian Water Tank Factory, Bhaga Bazar 788120 Cachar, Assam, Cachar, Assam. This branch is registered on the Reserve Bank of India's NEFT and RTGS participant network, with IFSC code UTIB0005995. All three banking codes — IFSC, MICR and BSR — are displayed above with copy-to-clipboard buttons for error-free use in online transfers, cheque mandates and income tax filings.

Branch Working Hours

Bhaga Bazar, Axis Bank follows standard RBI-prescribed banking hours: Monday to Friday, 10:00 AM to 4:00 PM, and on the 1st, 3rd and 5th Saturdays of each month. The branch is closed on 2nd and 4th Saturdays, Sundays and RBI-declared bank holidays. Cash counters typically close around 3:00 PM — non-cash services continue until 4:00 PM. Contact the branch before visiting to confirm timings or service availability.

How to Get Directions to Bhaga Bazar

Click the Get Directions button above — it opens Google Maps pre-filled with this branch's RBI-verified address: Ground Floor, Nh 306, Near Indian Water Tank Factory, Bhaga Bazar 788120 Cachar, Assam, Cachar, Assam. On mobile, it launches the Maps app with turn-by-turn navigation. On desktop, it opens the route in Google Maps in your browser. No account or app download required.

Banking Codes for Bhaga Bazar, Axis Bank

Three separate codes identify this branch across different banking systems. They cannot be interchanged — each serves a different purpose:

• IFSC UTIB0005995 — Use for NEFT transfers (half-hourly batch, 24×7, any amount), RTGS payments above ₹2 lakh (real-time), IMPS (instant, 24×7), and linking your Axis Bank account to UPI apps like PhonePe, Google Pay and BHIM. Also required for net banking beneficiary registration. Find more Axis Bank codes at our IFSC directory for Cachar.
• MICR 788211006 — Printed at the bottom of your Axis Bank cheque leaf in magnetic ink. Required for CTS cheque clearing, ECS auto-debit mandates for utilities and insurance, and NACH mandate setup for SIP mutual fund investments and loan EMI auto-debit. Find more at our MICR directory for Cachar.

What to Carry When Visiting This Branch

For most services at Bhaga Bazar, Axis Bank, carry a government-issued photo ID (Aadhaar, PAN, Passport or Voter ID), proof of current address if different from your ID document, 2–4 recent passport-size photographs and your existing account passbook or debit card. For cash transactions above ₹50,000, PAN card is mandatory per RBI KYC guidelines. For TDS challan payments, bring the completed challan form and BSR code from this branch pre-filled.

How NEFT, RTGS and IMPS Work at Bhaga Bazar

Every electronic fund transfer sent to an account held at Bhaga Bazar relies on IFSC code UTIB0005995 to route money correctly. Here is how each transfer type works:

• NEFT — National Electronic Funds Transfer: Settles in half-hourly batches, available 24×7 including Sundays and bank holidays since December 2019. There is no minimum or maximum amount. The sender enters the recipient's account number and IFSC UTIB0005995. The Reserve Bank of India validates the code, batches the transfer and credits the Bhaga Bazar account at the next half-hour mark. End-to-end, the process takes 30 minutes to 2 hours during normal conditions.
• RTGS — Real Time Gross Settlement: Minimum ₹2 lakh. Settles in real time — each transaction is processed individually and funds arrive in the recipient's account at Bhaga Bazar within minutes, not batches. Available 7:00 AM to 6:00 PM on RBI working days. Use RTGS for high-value property payments, business transfers and inter-bank corporate settlements where speed is critical.
• IMPS — Immediate Payment Service: Operated by NPCI, IMPS settles within seconds, 24×7, 365 days a year — including bank holidays and closed Saturdays. Maximum ₹5 lakh per transaction. IMPS is the best option for urgent transfers when the branch is closed or for sending money during weekends and public holidays when RTGS is unavailable.

All three systems require the recipient's account number and the IFSC code of Bhaga Bazar — not the bank's head office IFSC or any other branch's code. An incorrect IFSC causes immediate rejection in NEFT and RTGS, or routing to the wrong branch in rare edge cases. Always copy the IFSC using the button above to avoid transcription errors.

Linking Your Axis Bank Account to UPI at Bhaga Bazar

If your account is held at Bhaga Bazar, here is how to link it to any UPI app — PhonePe, Google Pay, Paytm or BHIM — in under 2 minutes:

1. Open your UPI app and navigate to "Add bank account" or "Link account".
2. Select Axis Bank from the bank list. The app will auto-detect your mobile number registered with the bank.
3. Verify via OTP — the app sends an OTP to your Axis Bank-registered mobile number to confirm your account.
4. Account linked — the app validates your account against IFSC UTIB0005995 in the background. You do not need to enter the IFSC manually during this step.
5. Set your UPI PIN — a 4 or 6-digit PIN using your debit card's last 6 digits and expiry date.

Once linked, your Axis Bank account at Bhaga Bazar is accessible via your UPI VPA (e.g. yourname@axisbank). The IFSC is only needed during this initial registration — not for individual UPI payments thereafter. If the UPI app fails to detect your account automatically, ensure your mobile number is updated with Bhaga Bazar. You can do this by visiting the branch with your passbook and Aadhaar card.

Common Mistakes to Avoid When Visiting Bhaga Bazar

A little planning before your visit saves a wasted trip. These are the most common mistakes people make when visiting bank branches — and how to avoid them at Bhaga Bazar:

• Visiting on a closed Saturday: Banks are shut on the 2nd and 4th Saturdays of every month. Check the date before heading out — if it's the 2nd or 4th Saturday, the branch will be locked. Check the branch phone number on this page if you are unsure. ATMs and digital services remain available 24×7.
• Going to the wrong branch for home-branch-only services: Services like safe deposit locker access, account closure and certain KYC procedures must be done at your home branch. If Bhaga Bazar is not your home branch, call ahead to confirm the service is available there before visiting.
• Missing documents: No branch visit can proceed without valid photo ID and proof of address. For new accounts, PAN card is mandatory. For high-value cash transactions above ₹50,000, PAN is required by RBI regulation. Arriving without the right documents means a second trip.
• Arriving after 3:00 PM for cash transactions: Cash counters at most Axis Bank branches — including Bhaga Bazar — close around 3:00 PM even though the branch remains open until 4:00 PM. Non-cash services like account queries, KYC and document submission continue until closing time.
• Using an old IFSC after a bank merger: If Axis Bank was involved in a merger, some legacy IFSC codes may have been deactivated. Always use the IFSC code displayed on this page — it reflects the current active record from RBI's NEFT participant database as of Jun 2026.
• Not accounting for beneficiary cooling period: If you plan to transfer money to a newly added beneficiary at this branch, note that most banks enforce a 30-minute to 24-hour cooling period after adding a new payee before the first transfer is allowed. Add the beneficiary at least one business day in advance for time-sensitive payments.

Other Axis Bank Branches in Cachar

If this branch is not convenient for your visit, browse all Axis Bank branches in Cachar to find the one closest to you. For other cities in Assam, visit the Axis Bank branch directory for Assam. For other banks, use the Bank Branch Locator homepage. To check bank holidays before planning a visit, or to calculate your loan repayment, try the free EMI Calculator.