Use this page as a one-stop reference for everything related to Axis Bank's CUNNINGHAM ROAD branch in BANGALORE, KARNATAKA. The branch's IFSC code UTIB0001997 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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 CUNNINGHAM ROAD branch, the IFSC UTIB0001997 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 001997 identifies this particular branch.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Cunningham Road |
| IFSC Code | UTIB0001997 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO.19/4, SAIRBAGH, CUNNINGHAM ROAD, BANGALORE - 560052 |
| City | Bangalore |
| District | Bangalore Urban |
| State | Karnataka |
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Cunningham Road branch — IFSC UTIB0001997 — extends the bank's services to customers in and around Bangalore, Karnataka.
About the Cunningham Road branch
The Cunningham Road branch of Axis Bank is situated at NO.19/4, SAIRBAGH, CUNNINGHAM ROAD, BANGALORE - 560052. 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 UTIB0001997 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 CUNNINGHAM ROAD of Axis Bank — its own 11-character IFSC. The code UTIB0001997 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 UTIB0001997 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 UTIB0001997
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 UTIB0001997 across all three.
NEFT to Axis Bank, CUNNINGHAM ROAD using IFSC UTIB0001997
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 UTIB0001997, and confirm that the system picks up Axis Bank – CUNNINGHAM ROAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0001997
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 – CUNNINGHAM ROAD, ensure your bank's portal accepts IFSC UTIB0001997 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Axis Bank CUNNINGHAM ROAD (IFSC UTIB0001997)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0001997 in your mobile or internet banking app, and the money is credited to the CUNNINGHAM ROAD branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Cunningham Road
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC UTIB0001997:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at CUNNINGHAM ROAD is still linked to IFSC UTIB0001997.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Axis Bank's CUNNINGHAM ROAD branch, the IFSC UTIB0001997 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Products and account variants supported
Every account opened at the Cunningham Road branch is mapped to IFSC UTIB0001997 on the RBI payments network. The branch generally supports the full retail product catalogue of Axis Bank, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains UTIB0001997.
Banking services available
The Cunningham Road 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 UTIB0001997
MICR & cheque-truncation details
Cheques drawn on the Cunningham Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0001997 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Cunningham Road 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 UTIB0001997 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.
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 – CUNNINGHAM ROAD:
- The IFSC is exactly UTIB0001997 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 CUNNINGHAM ROAD 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.
Reaching the branch
The Cunningham Road branch sits at NO.19/4, SAIRBAGH, CUNNINGHAM ROAD, BANGALORE - 560052. If you are travelling from outside Bangalore, search for the branch on a maps application using the bank name and locality, or call the branch contact number to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC UTIB0001997 and your account number.
Verifying IFSC UTIB0001997 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 UTIB0001997 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 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 Cunningham Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0001997, however, work 24x7.
Branch address & contact
Axis BankCunningham Road Branch
NO.19/4, SAIRBAGH, CUNNINGHAM ROAD, BANGALORE - 560052
Bangalore, Karnataka
Phone: the branch contact number
IFSC: UTIB0001997
Frequently asked questions
Is IFSC UTIB0001997 valid for NEFT and RTGS?
Yes. IFSC UTIB0001997 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using UTIB0001997 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Cunningham Road reflect within 30 minutes.
What is the phone number of Axis Bank Cunningham Road branch?
You can reach the branch at the branch contact number during regular banking hours.
What is the IFSC code of Axis Bank Cunningham Road branch?
The IFSC code of Axis Bank, Cunningham Road branch is UTIB0001997. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC UTIB0001997 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0001997 to send funds instantly.
Is IFSC UTIB0001997 the same for all accounts at Cunningham Road branch?
Yes. The IFSC UTIB0001997 is shared by every account held at Axis Bank's Cunningham Road branch. Only the account number changes from customer to customer.
How do I add Axis Bank Cunningham Road as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0001997, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Cunningham Road branch but serve different purposes.
Summary
The IFSC code UTIB0001997 belongs to Axis Bank's CUNNINGHAM ROAD branch, located at NO.19/4, SAIRBAGH, CUNNINGHAM ROAD, BANGALORE - 560052 in BANGALORE, KARNATAKA. 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.
