Below are the complete branch details for Axis Bank, CHEMMAD branch, located in CHEMMAD, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0004198. 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 UTIB0004198 for Axis Bank – CHEMMAD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Axis Bank's CHEMMAD branch, the IFSC UTIB0004198 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 004198 identifies this particular branch.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Chemmad |
| IFSC Code | UTIB0004198 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DOOR NO V31 PK TOWER PARAPPANANGADI MALAPPURAM RD CHEMMAD TIRURANGADI PO MALAPPURAM 676306 |
| City | Chemmad |
| District | Malappuram |
| State | Kerala |
| STD Code | 494 |
| Phone | 9645419811 |
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Chemmad branch in Chemmad. 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, UTIB0004198.
About this branch
The branch is located at DOOR NO V31 PK TOWER PARAPPANANGADI MALAPPURAM RD CHEMMAD TIRURANGADI PO MALAPPURAM 676306. It serves the Chemmad 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 UTIB0004198 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 CHEMMAD of Axis Bank — its own 11-character IFSC. The code UTIB0004198 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 UTIB0004198 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 UTIB0004198
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 UTIB0004198 across all three.
NEFT to Axis Bank, CHEMMAD using IFSC UTIB0004198
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 UTIB0004198, and confirm that the system picks up Axis Bank – CHEMMAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0004198
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 – CHEMMAD, ensure your bank's portal accepts IFSC UTIB0004198 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – CHEMMAD, use IMPS. With IFSC UTIB0004198 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 Chemmad
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 UTIB0004198:
- 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 CHEMMAD is still linked to IFSC UTIB0004198.
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 CHEMMAD branch, the IFSC UTIB0004198 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.
Account types you can open at the Chemmad branch
Once you have an account at Axis Bank – CHEMMAD, the IFSC UTIB0004198 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 Chemmad 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 UTIB0004198
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 UTIB0004198 and the account number together uniquely identify the Chemmad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Chemmad 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 UTIB0004198 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.
Common mistakes to avoid when using IFSC UTIB0004198
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 – CHEMMAD, 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:
UTIB0004198. - 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 Chemmad branch sits at DOOR NO V31 PK TOWER PARAPPANANGADI MALAPPURAM RD CHEMMAD TIRURANGADI PO MALAPPURAM 676306. If you are travelling from outside Chemmad, search for the branch on a maps application using the bank name and locality, or call 494-9645419811 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 UTIB0004198 and your account number.
Verifying IFSC UTIB0004198 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 UTIB0004198 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 494-9645419811.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Chemmad 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 UTIB0004198 continue to work without interruption.
Branch address & contact
Axis BankChemmad Branch
DOOR NO V31 PK TOWER PARAPPANANGADI MALAPPURAM RD CHEMMAD TIRURANGADI PO MALAPPURAM 676306
Chemmad, Kerala
Phone: 494-9645419811
IFSC: UTIB0004198
Frequently asked questions
Where is Axis Bank Chemmad branch located?
Axis Bank's Chemmad branch is located at DOOR NO V31 PK TOWER PARAPPANANGADI MALAPPURAM RD CHEMMAD TIRURANGADI PO MALAPPURAM 676306, Chemmad, Kerala.
What is the IFSC code of Axis Bank Chemmad branch?
The IFSC code of Axis Bank, Chemmad branch is UTIB0004198. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UTIB0004198 valid for NEFT and RTGS?
Yes. IFSC UTIB0004198 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC UTIB0004198 the same for all accounts at Chemmad branch?
Yes. The IFSC UTIB0004198 is shared by every account held at Axis Bank's Chemmad branch. Only the account number changes from customer to customer.
How do I add Axis Bank Chemmad as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0004198, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC UTIB0004198 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0004198 to send funds instantly.
How quickly will an NEFT transfer using UTIB0004198 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Chemmad 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 Chemmad branch but serve different purposes.
Summary
The IFSC code UTIB0004198 belongs to Axis Bank's CHEMMAD branch, located at DOOR NO V31 PK TOWER PARAPPANANGADI MALAPPURAM RD CHEMMAD TIRURANGADI PO… in CHEMMAD, KERALA. 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.
