Below are the complete branch details for Axis Bank, CHAMPUA branch, located in CHAMPUA, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0005649. 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 UTIB0005649 for Axis Bank – CHAMPUA — 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 – CHAMPUA is UTIB0005649. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 005649 map to this branch in CHAMPUA, ODISHA.
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Champua branch in Champua. 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, UTIB0005649.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Champua |
| IFSC Code | UTIB0005649 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AXIS BANK LTD, GOUDA SAHI ROAD, AT PO CHAMPUA |
| City | Champua |
| District | Keonjhar |
| State | Odisha |
| STD Code | 6767 |
| Phone | 8895475672 |
About this branch
The branch is located at AXIS BANK LTD, GOUDA SAHI ROAD, AT PO CHAMPUA. It serves the Champua 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 UTIB0005649 is used to identify this branch on the RBI payments network.
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 CHAMPUA branch came to be assigned the code UTIB0005649.
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 UTIB0005649, money simply cannot be routed to the CHAMPUA branch electronically.
Products and account variants supported
Every account opened at the Champua branch is mapped to IFSC UTIB0005649 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 UTIB0005649.
Banking services available
The Champua branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 6767-8895475672.
- 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 UTIB0005649
How to transfer money using IFSC UTIB0005649
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 UTIB0005649 across all three.
How to use IFSC UTIB0005649 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's CHAMPUA 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 UTIB0005649.
- Confirm the bank name auto-populates as Axis Bank and the branch as CHAMPUA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UTIB0005649
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 – CHAMPUA, ensure your bank's portal accepts IFSC UTIB0005649 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Axis Bank CHAMPUA (IFSC UTIB0005649)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0005649 in your mobile or internet banking app, and the money is credited to the CHAMPUA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0005649 for Axis Bank – CHAMPUA, 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 – UTIB0005649 | Yes – UTIB0005649 | Yes – UTIB0005649 |
For most retail customers crediting the Champua 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.
UPI payments and IFSC UTIB0005649
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 – CHAMPUA is still mapped to IFSC UTIB0005649. 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 UTIB0005649 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Champua 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 UTIB0005649 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.
MICR & cheque-truncation details
Cheques drawn on the Champua branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0005649 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC UTIB0005649
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 – CHAMPUA, 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:
UTIB0005649. - 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 Champua branch sits at AXIS BANK LTD, GOUDA SAHI ROAD, AT PO CHAMPUA. If you are travelling from outside Champua, search for the branch on a maps application using the bank name and locality, or call 6767-8895475672 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 UTIB0005649 and your account number.
Verifying IFSC UTIB0005649 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 UTIB0005649 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 6767-8895475672.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Champua 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 UTIB0005649 continue to work without interruption.
Branch address & contact
Axis BankChampua Branch
AXIS BANK LTD, GOUDA SAHI ROAD, AT PO CHAMPUA
Champua, Odisha
Phone: 6767-8895475672
IFSC: UTIB0005649
Frequently asked questions
Can I use IFSC UTIB0005649 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0005649 to send funds instantly.
What is the phone number of Axis Bank Champua branch?
You can reach the branch at 6767-8895475672 during regular banking hours.
How quickly will an NEFT transfer using UTIB0005649 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Champua reflect within 30 minutes.
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 Champua branch but serve different purposes.
Is IFSC UTIB0005649 the same for all accounts at Champua branch?
Yes. The IFSC UTIB0005649 is shared by every account held at Axis Bank's Champua branch. Only the account number changes from customer to customer.
Does Axis Bank Champua branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 6767-8895475672 to confirm.
What is the IFSC code of Axis Bank Champua branch?
The IFSC code of Axis Bank, Champua branch is UTIB0005649. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code UTIB0005649 belongs to Axis Bank's CHAMPUA branch, located at AXIS BANK LTD, GOUDA SAHI ROAD, AT PO CHAMPUA in CHAMPUA, ODISHA. 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.
