Below are the complete branch details for Axis Bank, BYADAGI branch, located in BYADAGI, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0005314. 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 UTIB0005314 for Axis Bank – BYADAGI — 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 – BYADAGI is UTIB0005314. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 005314 map to this branch in BYADAGI, KARNATAKA.
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Byadagi branch in Byadagi. 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, UTIB0005314.
Byadagi branch overview
Located at SY NO 416, MAIN ROAD, BYADAGI 581106, the Byadagi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0005314 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Byadagi |
| IFSC Code | UTIB0005314 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SY NO 416, MAIN ROAD, BYADAGI 581106 |
| City | Byadagi |
| District | Bangalore |
| State | Karnataka |
| STD Code | 80 |
| Phone | 9590183352 |
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 BYADAGI branch came to be assigned the code UTIB0005314.
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 UTIB0005314, money simply cannot be routed to the BYADAGI 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 UTIB0005314 and the account number together uniquely identify the Byadagi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UTIB0005314
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 UTIB0005314 across all three.
How to use IFSC UTIB0005314 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's BYADAGI 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 UTIB0005314.
- Confirm the bank name auto-populates as Axis Bank and the branch as BYADAGI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UTIB0005314
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 – BYADAGI, ensure your bank's portal accepts IFSC UTIB0005314 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Axis Bank BYADAGI (IFSC UTIB0005314)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0005314 in your mobile or internet banking app, and the money is credited to the BYADAGI branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Byadagi
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 UTIB0005314:
- 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 BYADAGI is still linked to IFSC UTIB0005314.
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 BYADAGI branch, the IFSC UTIB0005314 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 Byadagi branch is mapped to IFSC UTIB0005314 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 UTIB0005314.
Products and services
Customers walking into the Byadagi 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 UTIB0005314
Online banking and IFSC UTIB0005314
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the BYADAGI 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 UTIB0005314 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.
How to reach the Byadagi branch
The branch is located at SY NO 416, MAIN ROAD, BYADAGI 581106, which puts it inside Byadagi, the broader Bangalore district, and the state of Karnataka. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Byadagi branch” — the verified location pin for IFSC UTIB0005314 should appear at the top of the results.
- Confirm the branch is open by calling 80-9590183352 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 UTIB0005314 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 – BYADAGI:
- The IFSC is exactly UTIB0005314 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 BYADAGI 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 Byadagi 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 UTIB0005314 continue to work without interruption.
Verifying IFSC UTIB0005314 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 UTIB0005314 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 80-9590183352.
- Visiting the bank's official branch locator page.
Branch address & contact
Axis BankByadagi Branch
SY NO 416, MAIN ROAD, BYADAGI 581106
Byadagi, Karnataka
Phone: 80-9590183352
IFSC: UTIB0005314
Frequently asked questions
Is IFSC UTIB0005314 valid for NEFT and RTGS?
Yes. IFSC UTIB0005314 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Axis Bank Byadagi branch located?
Axis Bank's Byadagi branch is located at SY NO 416, MAIN ROAD, BYADAGI 581106, Byadagi, Karnataka.
What is the phone number of Axis Bank Byadagi branch?
You can reach the branch at 80-9590183352 during regular banking hours.
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 Byadagi branch but serve different purposes.
How quickly will an NEFT transfer using UTIB0005314 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Byadagi reflect within 30 minutes.
Is IFSC UTIB0005314 the same for all accounts at Byadagi branch?
Yes. The IFSC UTIB0005314 is shared by every account held at Axis Bank's Byadagi branch. Only the account number changes from customer to customer.
Summary
The IFSC code UTIB0005314 belongs to Axis Bank's BYADAGI branch, located at SY NO 416, MAIN ROAD, BYADAGI 581106 in BYADAGI, 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.
