The IFSC Code is a very important number used in India for digital banking and online money transfers that ensures seamless and accurate fund transfers. In case you are sending money through NEFT, RTGS, or IMPS, the bank requires you to enter the correct IFSC Code to route your payment to the right branch. If you are searching for the IFSC Code of Axis Bank for its Kanjikuzhi branch in Kottayam, Kottayam, Kerala, this complete guide will provide you with detailed information.
The banking system in India has changed over the years, and today customers of Axis Bank located in Kottayam or anywhere in Kerala can transfer funds instantly by using the correct IFSC Code UTIB0003558. Knowing how the IFSC Code works will help you stay informed and avoid transfer issues.
Details of IFSC Code for Axis Bank, Kanjikuzhi, Kottayam
Here are the main details that are associated with the IFSC Code UTIB0003558 of Axis Bank for its branch located in Kottayam, within the district of Kottayam in the state of Kerala.
| Particulars | Details |
|---|---|
| Bank | Axis Bank |
| IFSC Code | UTIB0003558 |
| Branch | Kanjikuzhi |
| City | Kottayam |
| District | Kottayam |
| State | Kerala |
| Address | Kaduthodil Arcade Near Qrs Kanjikuzhi Kottayam 686004 |
These details help users in online banking and for businesses and individuals who use Axis Bank in Kottayam for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code UTIB0003558 for the Kanjikuzhi branch of Axis Bank has a very important role.
What Is IFSC Code and Why Is It Important?
IFSC stands for Indian Financial System Code, an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, including Axis Bank located in Kanjikuzhi, Kottayam, Kerala, is provided with a unique IFSC like UTIB0003558 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It uniquely identifies the Axis Bank branch in Kottayam.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It avoids any errors or confusions between multiple branches of the same bank across different places like Kottayam and Kottayam.
- It reduces errors in fund transfers and improves accuracy.
- It allows sender banks to validate and confirm branch details before processing payments.
There are thousands of branches across Kerala and the rest of India and the IFSC Code ensures that transactions meant for Axis Bank in Kanjikuzhi do not get mixed with another location.
Format of the IFSC Code UTIB0003558
The format of the IFSC Code for banks, including Axis Bank, has an 11-character structure:
AAAA0CCCCCC
Here's the breakdown:
- First 4 characters (AAAA): Show the bank code. For Axis Bank, these letters represent the bank's short name.
- 5th character: Is always zero and is kept for future use.
- Last 6 characters (CCCCCC): Represent the specific branch code assigned to branches such as Kanjikuzhi in Kottayam.
For example, the IFSC Code UTIB0003558 of Axis Bank for the Kanjikuzhi branch includes these elements, identifying the bank and the branch location in Kottayam and Kerala correctly.
How to Find IFSC Code for Axis Bank?
If you are looking for the IFSC Code UTIB0003558 of Axis Bank for its Kanjikuzhi branch located in Kottayam, the following methods can help:
Cheque Book
The cheque book that is issued by Axis Bank includes the IFSC Code printed on each cheque leaf. You can easily spot the code at the top section.
Passbook
Most of the banks, including Axis Bank branches in Kottayam and Kottayam, print the IFSC and MICR codes on the first page of the passbook.
Bank Website
You can visit the official website of Axis Bank and look for the branch locator section, then search for Kanjikuzhi or Kottayam to get the exact IFSC Code UTIB0003558.
Mobile Banking App
If you use Axis Bank's mobile app, you can check your account details to easily find your branch's IFSC code.
RBI Website
The Reserve Bank of India has an updated database of all IFSC codes and if you are searching for Axis Bank and Kottayam, then it will provide you proper information.
How to Use IFSC Code UTIB0003558 for Online Transfers?
Once you have the IFSC Code UTIB0003558 for the Kanjikuzhi branch of Axis Bank in Kottayam, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code UTIB0003558. The transfer is completed in batches. It is useful for both personal and business payments.
RTGS
Used for payments over ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.
IMPS
Instant 24×7 transfers. Requires the recipient's account details and Axis Bank IFSC Code UTIB0003558.
No matter which payment method you use, the IFSC Code must be correct. If you enter the wrong IFSC Code for the Axis Bank Kanjikuzhi in Kottayam, your payment can get delayed or might not go through at all.
Finding the MICR Code
MICR codes are used for check clearances and are not the same as IFSC codes. If you are searching for the MICR code of Axis Bank in Kanjikuzhi, you can find it by any of the following ways:
- Check the bottom of your cheque leaf.
- Go to the first page of your passbook.
- Visit the official Axis Bank website.
- Search the RBI portal.
Having both IFSC and MICR codes helps account holders in Kottayam manage online transfers as well as cheque clearances with ease.
Frequently Asked Questions (FAQs)
The IFSC Code of the Kanjikuzhi Kottayam branch is UTIB0003558.
Yes, the IFSC Code remains the same unless the bank undergoes a merger or restructuring.
No. IFSC is used for online fund transfers, while MICR is used for cheque processing and clearance.
You can find it on cheque books, passbooks, bank websites, mobile banking apps, and the RBI website.
The branch is located at Kaduthodil Arcade Near Qrs Kanjikuzhi Kottayam 686004.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.