This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, KARELI ALLAHABAD branch in ALLAHABAD. The 11-digit IFSC UTIB0003403 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 KARELI ALLAHABAD 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.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Axis Bank's KARELI ALLAHABAD branch, the IFSC UTIB0003403 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 003403 identifies this particular branch.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Kareli Allahabad |
| IFSC Code | UTIB0003403 |
| MICR Code | Refer to cheque leaf |
| Branch Address | UPPER GR FLR PLOT NO B 574 GTB NAGAR KARELI ALLAHABAD DISTRICT ALLAHABAD UP 211016 |
| City | Allahabad |
| District | Allahabad |
| State | Uttar Pradesh |
| STD Code | 532 |
| Phone | 9792874943 |
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Kareli Allahabad branch in Allahabad. 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, UTIB0003403.
About the Kareli Allahabad branch
The Kareli Allahabad branch of Axis Bank is situated at UPPER GR FLR PLOT NO B 574 GTB NAGAR KARELI ALLAHABAD DISTRICT ALLAHABAD UP 211016. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code UTIB0003403 is used.
Why every Axis Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including KARELI ALLAHABAD of Axis Bank — its own 11-character IFSC. The code UTIB0003403 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC UTIB0003403 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC UTIB0003403
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 UTIB0003403 across all three.
NEFT to Axis Bank, KARELI ALLAHABAD using IFSC UTIB0003403
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 UTIB0003403, and confirm that the system picks up Axis Bank – KARELI ALLAHABAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0003403
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Axis Bank – KARELI ALLAHABAD, ensure your bank's portal accepts IFSC UTIB0003403 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – KARELI ALLAHABAD, use IMPS. With IFSC UTIB0003403 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 UTIB0003403 for Axis Bank – KARELI ALLAHABAD, 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 – UTIB0003403 | Yes – UTIB0003403 | Yes – UTIB0003403 |
For most retail customers crediting the Kareli Allahabad 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 UTIB0003403
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 – KARELI ALLAHABAD is still mapped to IFSC UTIB0003403. 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 UTIB0003403 and the beneficiary's account number to complete the transfer.
Account types you can open at the Kareli Allahabad branch
Once you have an account at Axis Bank – KARELI ALLAHABAD, the IFSC UTIB0003403 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.
Products and services
Customers walking into the Kareli Allahabad branch can access most of Axis Bank's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC UTIB0003403
MICR & cheque-truncation details
Cheques drawn on the Kareli Allahabad branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0003403 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC UTIB0003403
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the KARELI ALLAHABAD branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC UTIB0003403 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.
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 – KARELI ALLAHABAD:
- The IFSC is exactly UTIB0003403 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 KARELI ALLAHABAD 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.
How to reach the Kareli Allahabad branch
The branch is located at UPPER GR FLR PLOT NO B 574 GTB NAGAR KARELI ALLAHABAD DISTRICT ALLAHABAD UP 211016, which puts it inside Allahabad, the broader Allahabad district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Kareli Allahabad branch” — the verified location pin for IFSC UTIB0003403 should appear at the top of the results.
- Confirm the branch is open by calling 532-9792874943 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 UTIB0003403 and your account number.
Verifying IFSC UTIB0003403 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 UTIB0003403 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 532-9792874943.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Kareli Allahabad are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to UTIB0003403 continue to work without interruption.
Branch address & contact
Axis BankKareli Allahabad Branch
UPPER GR FLR PLOT NO B 574 GTB NAGAR KARELI ALLAHABAD DISTRICT ALLAHABAD UP 211016
Allahabad, Uttar Pradesh
Phone: 532-9792874943
IFSC: UTIB0003403
Frequently asked questions
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Kareli Allahabad branch but serve different purposes.
How do I add Axis Bank Kareli Allahabad as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0003403, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Axis Bank Kareli Allahabad branch located?
Axis Bank's Kareli Allahabad branch is located at UPPER GR FLR PLOT NO B 574 GTB NAGAR KARELI ALLAHABAD DISTRICT ALLAHABAD UP 211016, Allahabad, Uttar Pradesh.
What is the IFSC code of Axis Bank Kareli Allahabad branch?
The IFSC code of Axis Bank, Kareli Allahabad branch is UTIB0003403. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UTIB0003403 the same for all accounts at Kareli Allahabad branch?
Yes. The IFSC UTIB0003403 is shared by every account held at Axis Bank's Kareli Allahabad branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using UTIB0003403 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Kareli Allahabad reflect within 30 minutes.
What is the phone number of Axis Bank Kareli Allahabad branch?
You can reach the branch at 532-9792874943 during regular banking hours.
Summary
The IFSC code UTIB0003403 belongs to Axis Bank's KARELI ALLAHABAD branch, located at UPPER GR FLR PLOT NO B 574 GTB NAGAR KARELI ALLAHABAD DISTRICT ALLAHABAD UP… in ALLAHABAD, UTTAR PRADESH. 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.
