If you are searching for the IFSC code of Axis Bank, KEELKATTALAI branch in CHENNAI, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is UTIB0004053. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the KEELKATTALAI branch, and detailed step-by-step guides for using the IFSC UTIB0004053 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, UTIB0004053 is the IFSC of Axis Bank's KEELKATTALAI branch. The format is fixed: UTIB = bank code, 0 = reserved, 004053 = branch identifier.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Keelkattalai |
| IFSC Code | UTIB0004053 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 13A BIG STREET KEELKATTALAI CHENNAI 600117 |
| City | Chennai |
| District | Kanchipuram |
| State | Tamil Nadu |
| STD Code | 44 |
| Phone | 22471814 |
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Keelkattalai branch in Chennai, Tamil Nadu is part of this network and uses the IFSC code UTIB0004053 for all electronic settlement.
About this branch
The branch is located at 13A BIG STREET KEELKATTALAI CHENNAI 600117. It serves the Chennai 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 UTIB0004053 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 KEELKATTALAI of Axis Bank — its own 11-character IFSC. The code UTIB0004053 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 UTIB0004053 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 UTIB0004053
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 UTIB0004053 across all three.
How to use IFSC UTIB0004053 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's KEELKATTALAI 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 UTIB0004053.
- Confirm the bank name auto-populates as Axis Bank and the branch as KEELKATTALAI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UTIB0004053
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 – KEELKATTALAI, ensure your bank's portal accepts IFSC UTIB0004053 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – KEELKATTALAI, use IMPS. With IFSC UTIB0004053 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0004053 for Axis Bank – KEELKATTALAI, 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 – UTIB0004053 | Yes – UTIB0004053 | Yes – UTIB0004053 |
For most retail customers crediting the Keelkattalai 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 UTIB0004053
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 – KEELKATTALAI is still mapped to IFSC UTIB0004053. 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 UTIB0004053 and the beneficiary's account number to complete the transfer.
Account types you can open at the Keelkattalai branch
Once you have an account at Axis Bank – KEELKATTALAI, the IFSC UTIB0004053 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.
Banking services available
The Keelkattalai branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 44-22471814.
- 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 UTIB0004053
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 UTIB0004053 and the account number together uniquely identify the Keelkattalai 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 Keelkattalai 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 UTIB0004053 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 UTIB0004053
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 – KEELKATTALAI, 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:
UTIB0004053. - 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.
How to reach the Keelkattalai branch
The branch is located at 13A BIG STREET KEELKATTALAI CHENNAI 600117, which puts it inside Chennai, the broader Kanchipuram district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Keelkattalai branch” — the verified location pin for IFSC UTIB0004053 should appear at the top of the results.
- Confirm the branch is open by calling 44-22471814 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 UTIB0004053 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0004053 for Axis Bank – KEELKATTALAI, 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 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 Keelkattalai branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0004053, however, work 24x7.
Branch address & contact
Axis BankKeelkattalai Branch
13A BIG STREET KEELKATTALAI CHENNAI 600117
Chennai, Tamil Nadu
Phone: 44-22471814
IFSC: UTIB0004053
Frequently asked questions
Is IFSC UTIB0004053 valid for NEFT and RTGS?
Yes. IFSC UTIB0004053 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Keelkattalai branch but serve different purposes.
How do I add Axis Bank Keelkattalai as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0004053, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC UTIB0004053 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0004053 to send funds instantly.
Is IFSC UTIB0004053 the same for all accounts at Keelkattalai branch?
Yes. The IFSC UTIB0004053 is shared by every account held at Axis Bank's Keelkattalai branch. Only the account number changes from customer to customer.
Where is Axis Bank Keelkattalai branch located?
Axis Bank's Keelkattalai branch is located at 13A BIG STREET KEELKATTALAI CHENNAI 600117, Chennai, Tamil Nadu.
How quickly will an NEFT transfer using UTIB0004053 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Keelkattalai reflect within 30 minutes.
Summary
The IFSC code UTIB0004053 belongs to Axis Bank's KEELKATTALAI branch, located at 13A BIG STREET KEELKATTALAI CHENNAI 600117 in CHENNAI, TAMIL NADU. 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.
