This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, GARVEBHAVIPALYA branch in BANGALORE. The 11-digit IFSC UTIB0003500 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 GARVEBHAVIPALYA 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, UTIB0003500 is the IFSC of Axis Bank's GARVEBHAVIPALYA branch. The format is fixed: UTIB = bank code, 0 = reserved, 003500 = branch identifier.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Garvebhavipalya |
| IFSC Code | UTIB0003500 |
| MICR Code | Refer to cheque leaf |
| Branch Address | FIRST FLR SRI VARAADI TOWERS NO5 9 10 HOSUR MAIN RD GARVEBHAVIPALAYA BANGALORE 560068 |
| City | Bangalore |
| District | Bangalore |
| State | Karnataka |
| STD Code | 80 |
| Phone | 25741151 |
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Garvebhavipalya branch in Bangalore. 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, UTIB0003500.
About this branch
The branch is located at FIRST FLR SRI VARAADI TOWERS NO5 9 10 HOSUR MAIN RD GARVEBHAVIPALAYA BANGALORE 560068. It serves the Bangalore region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Axis Bank. The IFSC UTIB0003500 is used to identify this branch on the RBI payments network.
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 GARVEBHAVIPALYA of Axis Bank — its own 11-character IFSC. The code UTIB0003500 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 UTIB0003500 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 UTIB0003500
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 UTIB0003500 across all three.
How to use IFSC UTIB0003500 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's GARVEBHAVIPALYA branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC UTIB0003500.
- Confirm the bank name auto-populates as Axis Bank and the branch as GARVEBHAVIPALYA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UTIB0003500
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 – GARVEBHAVIPALYA, ensure your bank's portal accepts IFSC UTIB0003500 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – GARVEBHAVIPALYA, use IMPS. With IFSC UTIB0003500 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Garvebhavipalya
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 UTIB0003500:
- 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 GARVEBHAVIPALYA is still linked to IFSC UTIB0003500.
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.
UPI payments and IFSC UTIB0003500
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 – GARVEBHAVIPALYA is still mapped to IFSC UTIB0003500. 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 UTIB0003500 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Garvebhavipalya branch is mapped to IFSC UTIB0003500 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 UTIB0003500.
Products and services
Customers walking into the Garvebhavipalya 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 UTIB0003500
MICR & cheque-truncation details
Cheques drawn on the Garvebhavipalya branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0003500 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC UTIB0003500
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the GARVEBHAVIPALYA 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 UTIB0003500 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.
Common mistakes to avoid when using IFSC UTIB0003500
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Axis Bank – GARVEBHAVIPALYA, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
UTIB0003500. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
How to reach the Garvebhavipalya branch
The branch is located at FIRST FLR SRI VARAADI TOWERS NO5 9 10 HOSUR MAIN RD GARVEBHAVIPALAYA BANGALORE 560068, which puts it inside Bangalore, the broader Bangalore district, and the state of Karnataka. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Garvebhavipalya branch” — the verified location pin for IFSC UTIB0003500 should appear at the top of the results.
- Confirm the branch is open by calling 80-25741151 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 UTIB0003500 and your account number.
Verifying IFSC UTIB0003500 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 UTIB0003500 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 80-25741151.
- 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 Garvebhavipalya branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0003500, however, work 24x7.
Branch address & contact
Axis BankGarvebhavipalya Branch
FIRST FLR SRI VARAADI TOWERS NO5 9 10 HOSUR MAIN RD GARVEBHAVIPALAYA BANGALORE 560068
Bangalore, Karnataka
Phone: 80-25741151
IFSC: UTIB0003500
Frequently asked questions
Does Axis Bank Garvebhavipalya branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 80-25741151 to confirm.
Is IFSC UTIB0003500 valid for NEFT and RTGS?
Yes. IFSC UTIB0003500 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Axis Bank Garvebhavipalya as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0003500, 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 Garvebhavipalya branch but serve different purposes.
Can I use IFSC UTIB0003500 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0003500 to send funds instantly.
Is IFSC UTIB0003500 the same for all accounts at Garvebhavipalya branch?
Yes. The IFSC UTIB0003500 is shared by every account held at Axis Bank's Garvebhavipalya branch. Only the account number changes from customer to customer.
Summary
The IFSC code UTIB0003500 belongs to Axis Bank's GARVEBHAVIPALYA branch, located at FIRST FLR SRI VARAADI TOWERS NO5 9 10 HOSUR MAIN RD GARVEBHAVIPALAYA BANGALORE… 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.
