Overview of IFSC Code UTIB0004986: The IFSC code UTIB0004986 uniquely identifies the Axis Bank branch located at Kanika Chhak in the Cuttack district of Odisha. This 11-digit alphanumeric code is mandatory for routing electronic fund transfers like NEFT, RTGS, and IMPS to the correct bank account.

IFSC Code UTIB0004986 - Axis Bank Kanika Chhak

UTIB0004986 Axis Bank Cuttack Cuttack Odisha

AXIS BANK LTD GROUND FLOOR KANIKA CHHAK CUTTACK

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Quick Info

IFSC: UTIB0004986

District: CUTTACK

Status: Active

About Axis Bank Kanika Chhak

IFSC Code UTIB0004986 belongs to Axis Bank Kanika Chhak branch located in Cuttack, Cuttack, Odisha. This branch serves customers in Cuttack, Cuttack, Odisha and surrounding areas.

Understanding IFSC Code UTIB0004986

The IFSC (Indian Financial System Code) UTIB0004986 is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to uniquely identify this specific bank branch. The code structure follows a specific format:

  • First 4 characters (UTIB): Bank code identifying Axis Bank
  • 5th character (0): Reserved for future use (always 0)
  • Last 6 characters (004986): Unique branch identifier for Kanika Chhak
Electronic Fund Transfer Services

IFSC Code UTIB0004986 is essential for all electronic fund transfers in India. This code ensures that money transfers are routed to the correct bank branch. The following payment systems use IFSC codes:

NEFT (National Electronic Funds Transfer)

Batch processing system for fund transfers. Available Yes at this branch.

Processing: Multiple batches daily, typically settles within 2 hours during banking hours.

RTGS (Real Time Gross Settlement)

Real-time fund transfer for high-value transactions (minimum ₹2 lakh). Available Yes at this branch.

Processing: Real-time settlement, typically within minutes during RTGS hours.

IMPS (Immediate Payment Service)

24/7 instant fund transfer service via mobile or internet banking. Available Yes at this branch.

Processing: Instant transfer, available 24/7 including holidays.

UPI (Unified Payments Interface)

Instant mobile payment system using UPI ID or QR code. Available Yes at this branch.

Processing: Instant transfer, available 24/7, no IFSC code needed for UPI transactions.

Branch Location and Accessibility

The Axis Bank Kanika Chhak branch is located at AXIS BANK LTD GROUND FLOOR KANIKA CHHAK CUTTACK in Cuttack, Cuttack, Odisha. This location serves customers in Cuttack, Cuttack, Odisha and nearby areas. When initiating any electronic fund transfer to an account held at this branch, you must use IFSC Code UTIB0004986 to ensure the transaction is routed correctly.

How to Use IFSC Code UTIB0004986

When making online fund transfers to an account at this branch, you will need:

  1. IFSC Code: UTIB0004986 (for NEFT, RTGS, IMPS)
  2. Account Number: The recipient's account number
  3. Account Holder Name: As registered with the bank
Important: Always verify the IFSC code before initiating any fund transfer. Incorrect IFSC codes can result in failed transactions or funds being sent to the wrong branch. This IFSC code information is verified from official Reserve Bank of India (RBI) records and is updated regularly to ensure accuracy.
Finding Other Axis Bank Branches

If you're looking for other Axis Bank branches in Cuttack, Cuttack, Odisha or nearby areas, use our Axis Bank branch finder. You can search by city, district, or state to find all Axis Bank branches with their respective IFSC codes.

Branch Details
IFSC Code: UTIB0004986
Bank Name: Axis Bank
Branch Name: Kanika Chhak
Address: AXIS BANK LTD GROUND FLOOR KANIKA CHHAK CUTTACK
City: Cuttack
District: Cuttack
State: Odisha
Payment Services Available
NEFT
Available
RTGS
Available
IMPS
Available
UPI
Available
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Axis Bank Kanika Chhak Branch IFSC Code UTIB0004986 — Complete Banking Guide for Cuttack, Odisha

IFSC code UTIB0004986 belongs to the Kanika Chhak branch of Axis Bank in Cuttack, Cuttack district, Odisha. This 11-character code, assigned by the Reserve Bank of India, is mandatory for all digital fund transfers — NEFT, RTGS, IMPS, and UPI. Every payment initiated to an account at this branch must include IFSC UTIB0004986 to ensure accurate routing through India's centralised payment infrastructure. Providing an incorrect IFSC may delay or fail the transaction, so always verify the code before confirming any transfer.

About Axis Bank, Kanika Chhak Branch

The Kanika Chhak branch of Axis Bank in Cuttack, Odisha serves retail and corporate customers in Cuttack district with a full range of banking products. Services typically include savings and current accounts, fixed and recurring deposits, personal and home loans, vehicle finance, trade finance, locker facilities, and wealth management. The branch also supports digital banking — internet banking, mobile banking, UPI, and contactless debit/credit card issuance. Its IFSC UTIB0004986 is the key identifier for all fund transfers routed to accounts at this location through RBI's payment systems.

Payment Methods Using IFSC UTIB0004986

Four primary digital payment rails use IFSC UTIB0004986 for transfers to Axis Bank, Kanika Chhak: NEFT — batch-based, 48 half-hourly settlements daily, no minimum amount, ideal for regular transfers; RTGS — real-time, 24×7, minimum ₹2 lakh, used for high-value transactions; IMPS — instant, 24×7, up to ₹5 lakh, best for urgent transfers; UPI — uses Virtual Payment Address (VPA) linked to accounts at this branch, instant and zero-cost for most transactions. For each method, the sender's bank verifies IFSC UTIB0004986 against the RBI IFSC master list before processing the payment.

MICR Code and Branch Details

In addition to the IFSC, the Kanika Chhak branch of Axis Bank in Cuttack carries a MICR (Magnetic Ink Character Recognition) code — a 9-digit number printed on cheques that identifies the bank, city, and branch for cheque clearing through the MICR-based clearing system. While NEFT/RTGS/IMPS use the IFSC UTIB0004986 exclusively for electronic transfers, MICR remains relevant for paper-based cheque processing. Both codes are listed on this page for complete branch reference.

How to Verify IFSC UTIB0004986 Before Transferring

Before initiating any high-value transfer to IFSC UTIB0004986, verify the code through: (1) the RBI's official IFSC repository at rbi.org.in; (2) Axis Bank's official website branch locator; (3) MahaFind's IFSC lookup — the page you are currently viewing. Cross-reference the branch address and bank name displayed here against the details provided by your recipient to confirm accuracy. A mismatch in even one character of the IFSC can reroute your transfer to a different branch entirely.

FAQs — Axis Bank Kanika Chhak, Cuttack IFSC

What is the IFSC of Axis Bank Kanika Chhak in Cuttack?

The IFSC of Axis Bank, Kanika Chhak branch in Cuttack, Odisha is UTIB0004986. Use this for NEFT, RTGS, IMPS, and UPI transfers to any account at this branch.

What is the minimum amount for NEFT to IFSC UTIB0004986?

There is no minimum amount for NEFT transfers. You can send as little as ₹1. RTGS requires a minimum of ₹2 lakh. IMPS supports up to ₹5 lakh per transaction. All three use IFSC UTIB0004986 to route funds to Axis Bank, Kanika Chhak, Cuttack.

Who assigns IFSC codes like UTIB0004986?

The Reserve Bank of India (RBI) assigns all IFSC codes in India. Axis Bank applied for the IFSC for its Kanika Chhak branch in Cuttack, and RBI issued UTIB0004986 as the unique identifier. The complete list of valid IFSCs is maintained in RBI's IFSC master directory.

Can I use IFSC UTIB0004986 for UPI payments?

UPI payments are linked to a Virtual Payment Address (VPA) rather than an IFSC directly, but the underlying account is mapped to IFSC UTIB0004986 at Axis Bank, Kanika Chhak, Cuttack. When sending money via NEFT/RTGS/IMPS to this branch's account holders, always use IFSC UTIB0004986.

About IFSC Code UTIB0004986

IFSC Code UTIB0004986 belongs to Axis Bank branch Kanika Chhak located in Cuttack, Cuttack, Odisha.

Branch Information

  • IFSC Code: UTIB0004986
  • Bank: Axis Bank
  • Branch: Kanika Chhak
  • Address: AXIS BANK LTD GROUND FLOOR KANIKA CHHAK CUTTACK
  • City: Cuttack
  • District: Cuttack
  • State: Odisha

Payment Services

  • NEFT: Available
  • RTGS: Available
  • IMPS: Available
  • UPI: Available
Note: IFSC (Indian Financial System Code) is an 11-character code used to identify bank branches for electronic fund transfers (NEFT, RTGS, IMPS). Always verify the IFSC code before initiating any transaction.

Frequently Asked Questions

IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches for electronic fund transfers. You can find IFSC code using our IFSC code search tool by entering the bank name, branch name, or the IFSC code itself.

To check IFSC code, use our IFSC code search tool. Enter the bank name and branch name, or search by IFSC code directly. You can also find banks near me by searching with your location.

IFSC code format consists of 11 characters: first 4 characters represent the bank name, followed by a zero (0), and the last 6 characters represent the branch code. For example, HDFC0001234 where HDFC is the bank code and 001234 is the branch code.

To find banks near me, use our IFSC finder tool. Enter your city or location, and we will show you all nearby bank branches with their IFSC codes, addresses, and contact details.

IFSC code is used for electronic fund transfers (NEFT, RTGS, IMPS) and is 11 characters long. MICR code is used for cheque processing and is 9 digits long. Both codes uniquely identify a bank branch.

You can verify IFSC code using our check IFSC code tool. Enter the IFSC code, and we will display the complete branch details including bank name, branch name, address, and available payment services (NEFT, RTGS, IMPS, UPI).

Yes, IFSC code is required for all electronic fund transfer methods including NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service). Our tool shows which services are available for each branch.

To get IFSC code by bank name and branch, use our search tool. Select "Search by Bank & Branch" option, enter the bank name (e.g., Axis Bank) and branch name, and we will display the complete IFSC code details.