This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, AGACAIM branch in AGACIAM. The 11-digit IFSC UTIB0001169 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Axis Bank at the AGACAIM location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, UTIB0001169 is the IFSC of Axis Bank's AGACAIM branch. The format is fixed: UTIB = bank code, 0 = reserved, 001169 = branch identifier.
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Agacaim branch in Agaciam. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UTIB0001169.
Agacaim branch overview
Located at SHOP NO. 1,2,3 & 4,ANGE MARIE, MALWARA,VILLAGE PANCHAYAT OFST. LAWRENCE,AGACAIM, GOA , PIN 403204., the Agacaim branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0001169 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Agacaim |
| IFSC Code | UTIB0001169 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHOP NO. 1,2,3 & 4,ANGE MARIE, MALWARA,VILLAGE PANCHAYAT OFST. LAWRENCE,AGACAIM, GOA , PIN 403204. |
| City | Agaciam |
| District | North Goa |
| State | Goa |
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Axis Bank's AGACAIM branch came to be assigned the code UTIB0001169.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC UTIB0001169, money simply cannot be routed to the AGACAIM branch electronically.
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Axis Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC UTIB0001169 and the account number together uniquely identify the Agacaim branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UTIB0001169
Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC UTIB0001169 across all three.
NEFT to Axis Bank, AGACAIM using IFSC UTIB0001169
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC UTIB0001169, and confirm that the system picks up Axis Bank – AGACAIM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to AGACAIM
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's AGACAIM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0001169 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – AGACAIM, use IMPS. With IFSC UTIB0001169 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0001169 for Axis Bank – AGACAIM, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – UTIB0001169 | Yes – UTIB0001169 | Yes – UTIB0001169 |
For most retail customers crediting the Agacaim branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
UPI payments and IFSC UTIB0001169
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Axis Bank – AGACAIM is still mapped to IFSC UTIB0001169. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC UTIB0001169 and the beneficiary's account number to complete the transfer.
Account types you can open at the Agacaim branch
Once you have an account at Axis Bank – AGACAIM, the IFSC UTIB0001169 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Agacaim branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC UTIB0001169
Digital banking channels
Most day-to-day work that customers used to do at the Agacaim branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC UTIB0001169 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
How to reach the Agacaim branch
The branch is located at SHOP NO. 1,2,3 & 4,ANGE MARIE, MALWARA,VILLAGE PANCHAYAT OFST. LAWRENCE,AGACAIM, GOA , PIN 403204., which puts it inside Agaciam, the broader North Goa district, and the state of Goa. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Agacaim branch” — the verified location pin for IFSC UTIB0001169 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC UTIB0001169 and your account number.
Things to verify before sending money
Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Axis Bank – AGACAIM:
- The IFSC is exactly UTIB0001169 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills Axis Bank as the bank name and AGACAIM as the branch.
- The amount and the purpose of payment are correct.
- You have a valid OTP-verifying mobile number on hand.
A 30-second review here saves hours of reconciliation later.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Agacaim branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0001169, however, work 24x7.
Verifying IFSC UTIB0001169 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm UTIB0001169 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on the branch contact number.
- Visiting the bank's official branch locator page.
Branch address & contact
Axis BankAgacaim Branch
SHOP NO. 1,2,3 & 4,ANGE MARIE, MALWARA,VILLAGE PANCHAYAT OFST. LAWRENCE,AGACAIM, GOA , PIN 403204.
Agaciam, Goa
Phone: the branch contact number
IFSC: UTIB0001169
Frequently asked questions
Can I use IFSC UTIB0001169 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0001169 to send funds instantly.
What is the phone number of Axis Bank Agacaim branch?
You can reach the branch at the branch contact number during regular banking hours.
Is IFSC UTIB0001169 the same for all accounts at Agacaim branch?
Yes. The IFSC UTIB0001169 is shared by every account held at Axis Bank's Agacaim branch. Only the account number changes from customer to customer.
What is the IFSC code of Axis Bank Agacaim branch?
The IFSC code of Axis Bank, Agacaim branch is UTIB0001169. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UTIB0001169 valid for NEFT and RTGS?
Yes. IFSC UTIB0001169 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Axis Bank Agacaim branch located?
Axis Bank's Agacaim branch is located at SHOP NO. 1,2,3 & 4,ANGE MARIE, MALWARA,VILLAGE PANCHAYAT OFST. LAWRENCE,AGACAIM, GOA , PIN 403204., Agaciam, Goa.
How quickly will an NEFT transfer using UTIB0001169 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Agacaim reflect within 30 minutes.
Summary
The IFSC code UTIB0001169 belongs to Axis Bank's AGACAIM branch, located at SHOP NO. 1,2,3 & 4,ANGE MARIE, MALWARA,VILLAGE PANCHAYAT OFST.… in AGACIAM, GOA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
