Below are the complete branch details for Axis Bank, KAGGADASAPURA MAIN ROAD branch, located in BANGALORE, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0003270. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UTIB0003270 for Axis Bank – KAGGADASAPURA MAIN ROAD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Axis Bank – KAGGADASAPURA MAIN ROAD is UTIB0003270. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003270 map to this branch in BANGALORE, KARNATAKA.
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kaggadasapura Main Road branch in Bangalore, Karnataka is part of this network and uses the IFSC code UTIB0003270 for all electronic settlement.
About the Kaggadasapura Main Road branch
The Kaggadasapura Main Road branch of Axis Bank is situated at NO 51 KAGGADASAPURA MAIN ROAD 12TH CROSS KAGGADASAPURA BANGALORE 560093. 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 UTIB0003270 is used.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Kaggadasapura Main Road |
| IFSC Code | UTIB0003270 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO 51 KAGGADASAPURA MAIN ROAD 12TH CROSS KAGGADASAPURA BANGALORE 560093 |
| City | Bangalore |
| District | Bangalore |
| State | Karnataka |
| STD Code | 80 |
| Phone | 25345382 |
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 KAGGADASAPURA MAIN ROAD branch came to be assigned the code UTIB0003270.
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 UTIB0003270, money simply cannot be routed to the KAGGADASAPURA MAIN ROAD 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 UTIB0003270 and the account number together uniquely identify the Kaggadasapura Main Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UTIB0003270
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 UTIB0003270 across all three.
NEFT to Axis Bank, KAGGADASAPURA MAIN ROAD using IFSC UTIB0003270
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 UTIB0003270, and confirm that the system picks up Axis Bank – KAGGADASAPURA MAIN ROAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0003270
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 – KAGGADASAPURA MAIN ROAD, ensure your bank's portal accepts IFSC UTIB0003270 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Axis Bank KAGGADASAPURA MAIN ROAD (IFSC UTIB0003270)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0003270 in your mobile or internet banking app, and the money is credited to the KAGGADASAPURA MAIN ROAD branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Kaggadasapura Main 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 UTIB0003270:
- 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 KAGGADASAPURA MAIN ROAD is still linked to IFSC UTIB0003270.
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 UTIB0003270
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 – KAGGADASAPURA MAIN ROAD is still mapped to IFSC UTIB0003270. 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 UTIB0003270 and the beneficiary's account number to complete the transfer.
Account types you can open at the Kaggadasapura Main Road branch
Once you have an account at Axis Bank – KAGGADASAPURA MAIN ROAD, the IFSC UTIB0003270 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 Kaggadasapura Main Road 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 UTIB0003270
Digital banking channels
Most day-to-day work that customers used to do at the Kaggadasapura Main 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 UTIB0003270 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 Kaggadasapura Main Road branch
The branch is located at NO 51 KAGGADASAPURA MAIN ROAD 12TH CROSS KAGGADASAPURA BANGALORE 560093, 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 Kaggadasapura Main Road branch” — the verified location pin for IFSC UTIB0003270 should appear at the top of the results.
- Confirm the branch is open by calling 80-25345382 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 UTIB0003270 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 – KAGGADASAPURA MAIN ROAD:
- The IFSC is exactly UTIB0003270 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 KAGGADASAPURA MAIN 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.
Working hours
Branch counters at Kaggadasapura Main Road 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 UTIB0003270 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0003270 for Axis Bank – KAGGADASAPURA MAIN ROAD, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
Branch address & contact
Axis BankKaggadasapura Main Road Branch
NO 51 KAGGADASAPURA MAIN ROAD 12TH CROSS KAGGADASAPURA BANGALORE 560093
Bangalore, Karnataka
Phone: 80-25345382
IFSC: UTIB0003270
Frequently asked questions
What is the IFSC code of Axis Bank Kaggadasapura Main Road branch?
The IFSC code of Axis Bank, Kaggadasapura Main Road branch is UTIB0003270. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Axis Bank Kaggadasapura Main Road as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0003270, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC UTIB0003270 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0003270 to send funds instantly.
Is IFSC UTIB0003270 the same for all accounts at Kaggadasapura Main Road branch?
Yes. The IFSC UTIB0003270 is shared by every account held at Axis Bank's Kaggadasapura Main Road branch. Only the account number changes from customer to customer.
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 Kaggadasapura Main Road branch but serve different purposes.
How quickly will an NEFT transfer using UTIB0003270 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Kaggadasapura Main Road reflect within 30 minutes.
Summary
The IFSC code UTIB0003270 belongs to Axis Bank's KAGGADASAPURA MAIN ROAD branch, located at NO 51 KAGGADASAPURA MAIN ROAD 12TH CROSS KAGGADASAPURA BANGALORE 560093 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.
