Use this page as a one-stop reference for everything related to Axis Bank's VALLABHARAOPALEM branch in BAPATLA, ANDHRA PRADESH. The branch's IFSC code UTIB0003675 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.
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 – VALLABHARAOPALEM is UTIB0003675. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003675 map to this branch in BAPATLA, ANDHRA PRADESH.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Vallabharaopalem |
| IFSC Code | UTIB0003675 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DNO. 333, PLOT NO. 683, VALLABHARAOPALEM, PONNUR MANDAL, GUNTUR DT522124 |
| City | Bapatla |
| District | Guntur |
| State | Andhra Pradesh |
| STD Code | 866 |
| Phone | 8469318 |
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Vallabharaopalem branch in Bapatla. 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, UTIB0003675.
About this branch
The branch is located at DNO. 333, PLOT NO. 683, VALLABHARAOPALEM, PONNUR MANDAL, GUNTUR DT522124. It serves the Bapatla 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 UTIB0003675 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 VALLABHARAOPALEM of Axis Bank — its own 11-character IFSC. The code UTIB0003675 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 UTIB0003675 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 UTIB0003675
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 UTIB0003675 across all three.
How to use IFSC UTIB0003675 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's VALLABHARAOPALEM 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 UTIB0003675.
- Confirm the bank name auto-populates as Axis Bank and the branch as VALLABHARAOPALEM.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to VALLABHARAOPALEM
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's VALLABHARAOPALEM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0003675 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank VALLABHARAOPALEM (IFSC UTIB0003675)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0003675 in your mobile or internet banking app, and the money is credited to the VALLABHARAOPALEM branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0003675 for Axis Bank – VALLABHARAOPALEM, 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 – UTIB0003675 | Yes – UTIB0003675 | Yes – UTIB0003675 |
For most retail customers crediting the Vallabharaopalem 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.
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 VALLABHARAOPALEM branch, the IFSC UTIB0003675 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 Vallabharaopalem branch is mapped to IFSC UTIB0003675 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 UTIB0003675.
Banking services available
The Vallabharaopalem branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 866-8469318.
- 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 UTIB0003675
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 UTIB0003675 and the account number together uniquely identify the Vallabharaopalem branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC UTIB0003675
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the VALLABHARAOPALEM 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 UTIB0003675 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 UTIB0003675
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 – VALLABHARAOPALEM, 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:
UTIB0003675. - 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.
Reaching the branch
The Vallabharaopalem branch sits at DNO. 333, PLOT NO. 683, VALLABHARAOPALEM, PONNUR MANDAL, GUNTUR DT522124. If you are travelling from outside Bapatla, search for the branch on a maps application using the bank name and locality, or call 866-8469318 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 UTIB0003675 and your account number.
Verifying IFSC UTIB0003675 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 UTIB0003675 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 866-8469318.
- 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 Vallabharaopalem branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0003675, however, work 24x7.
Branch address & contact
Axis BankVallabharaopalem Branch
DNO. 333, PLOT NO. 683, VALLABHARAOPALEM, PONNUR MANDAL, GUNTUR DT522124
Bapatla, Andhra Pradesh
Phone: 866-8469318
IFSC: UTIB0003675
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 Vallabharaopalem branch but serve different purposes.
How quickly will an NEFT transfer using UTIB0003675 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Vallabharaopalem reflect within 30 minutes.
How do I add Axis Bank Vallabharaopalem as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0003675, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Axis Bank Vallabharaopalem branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 866-8469318 to confirm.
Is IFSC UTIB0003675 valid for NEFT and RTGS?
Yes. IFSC UTIB0003675 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Axis Bank Vallabharaopalem branch?
The IFSC code of Axis Bank, Vallabharaopalem branch is UTIB0003675. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Axis Bank Vallabharaopalem branch?
You can reach the branch at 866-8469318 during regular banking hours.
Final notes
To recap: UTIB0003675 is the IFSC code of Axis Bank, VALLABHARAOPALEM branch, in BAPATLA, ANDHRA PRADESH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
