IFSC Code UTIB0003654 - Axis Bank G Udayagiri

Complete Guide to Axis Bank IFSC Code UTIB0003654 — G Udayagiri Branch, Kandhamal, Odisha

The IFSC code UTIB0003654 identifies the G Udayagiri branch of Axis Bank located in Kandhamal, Kandhamal district, Odisha. Mandated by the Reserve Bank of India (RBI), this 11-character alphanumeric code is required for all electronic fund transfers — NEFT, RTGS, IMPS, and UPI — processed through the RBI's centralised payment infrastructure. Every bank branch in India holds a unique IFSC that routes digital money movements accurately to the correct destination account. Using the wrong IFSC can result in a failed transaction or, in rare cases, a credit to an unintended account, making verification essential before initiating any transfer.

Decoding IFSC Code UTIB0003654 of Axis Bank

The 11-character IFSC UTIB0003654 follows the RBI-prescribed structure: the first four characters identify the bank (UTIB for Axis Bank), the fifth character is always zero (reserved for future use), and the final six characters (003654) uniquely identify the G Udayagiri branch in Kandhamal, Odisha. This structure lets RBI's payment gateway instantly determine the bank and branch for any transaction, enabling real-time routing without manual intervention.

NEFT Transfers Using IFSC UTIB0003654

National Electronic Funds Transfer (NEFT) is RBI's batch-based fund transfer system. To send money to an account at Axis Bank, G Udayagiri branch (IFSC: UTIB0003654), add the beneficiary with this IFSC on your bank's internet or mobile banking portal. NEFT processes transfers in 48 half-hourly batches Monday–Saturday (except 2nd and 4th Saturdays and public holidays). Minimum transfer: ₹1; no upper limit. Funds credited within 2 hours of batch settlement. NEFT is ideal for non-urgent large transfers to Kandhamal accounts.

RTGS Transfers to Axis Bank G Udayagiri

Real Time Gross Settlement (RTGS) settles transactions individually and in real time — making it the fastest guaranteed fund transfer in India. Use IFSC UTIB0003654 when initiating RTGS to Axis Bank, G Udayagiri, Kandhamal. Minimum RTGS amount: ₹2 lakh; no upper cap. Available 24×7 on all days since December 2020. Funds are irrevocable once settled, making RTGS the preferred choice for high-value business payments, property transactions, and bulk corporate transfers to Odisha accounts.

IMPS — Instant 24×7 Transfers to IFSC UTIB0003654

Immediate Payment Service (IMPS) enables instant interbank transfers round the clock, including weekends and holidays. To transfer to Axis Bank, G Udayagiri (Kandhamal), enter IFSC UTIB0003654 and the recipient's account number on your UPI or banking app. IMPS supports transfers up to ₹5 lakh per transaction. Funds arrive in seconds, making it ideal for urgent personal payments. Unlike NEFT, IMPS does not batch transfers — each transaction settles individually in real time at any hour.

Adding Axis Bank G Udayagiri as a Beneficiary

To add the G Udayagiri branch of Axis Bank (IFSC: UTIB0003654, Kandhamal, Odisha) as a beneficiary on any bank's internet banking: navigate to Fund Transfer → Manage Beneficiaries → Add New Beneficiary. Enter the account holder's name, account number, and IFSC UTIB0003654. Most banks impose a 4–24 hour cooling period before the first transfer to a newly added beneficiary, as a fraud-prevention measure. Always verify the IFSC and account number directly with the recipient before initiating a transfer.