Use this page as a one-stop reference for everything related to Axis Bank's KOLAPAKKAM branch in CHENNAI, TAMIL NADU. The branch's IFSC code UTIB0004494 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 – KOLAPAKKAM is UTIB0004494. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004494 map to this branch in CHENNAI, TAMIL NADU.
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kolapakkam branch in Chennai, Tamil Nadu is part of this network and uses the IFSC code UTIB0004494 for all electronic settlement.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Kolapakkam |
| IFSC Code | UTIB0004494 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO 20 LAVENDER STREET MATHA NAGAR 4TH EXTENSION KOLAPAKKAM PORUR CHENNAI 600125 |
| City | Chennai |
| District | Kancheepuram |
| State | Tamil Nadu |
| STD Code | 44 |
| Phone | 4449578136 |
Kolapakkam branch overview
Located at NO 20 LAVENDER STREET MATHA NAGAR 4TH EXTENSION KOLAPAKKAM PORUR CHENNAI 600125, the Kolapakkam branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0004494 is required for all interbank electronic transfers routed through this branch.
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 KOLAPAKKAM of Axis Bank — its own 11-character IFSC. The code UTIB0004494 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 UTIB0004494 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Kolapakkam branch is mapped to IFSC UTIB0004494 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 UTIB0004494.
Banking services available
The Kolapakkam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 44-4449578136.
- 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 UTIB0004494
How to transfer money using IFSC UTIB0004494
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 UTIB0004494 across all three.
NEFT to Axis Bank, KOLAPAKKAM using IFSC UTIB0004494
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 UTIB0004494, and confirm that the system picks up Axis Bank – KOLAPAKKAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KOLAPAKKAM
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's KOLAPAKKAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0004494 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank KOLAPAKKAM (IFSC UTIB0004494)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0004494 in your mobile or internet banking app, and the money is credited to the KOLAPAKKAM branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Kolapakkam
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 UTIB0004494:
- 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 KOLAPAKKAM is still linked to IFSC UTIB0004494.
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.
UPI payments and IFSC UTIB0004494
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 – KOLAPAKKAM is still mapped to IFSC UTIB0004494. 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 UTIB0004494 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 Kolapakkam 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 UTIB0004494 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 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 UTIB0004494 and the account number together uniquely identify the Kolapakkam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – KOLAPAKKAM:
- The IFSC is exactly UTIB0004494 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 KOLAPAKKAM 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.
Reaching the branch
The Kolapakkam branch sits at NO 20 LAVENDER STREET MATHA NAGAR 4TH EXTENSION KOLAPAKKAM PORUR CHENNAI 600125. If you are travelling from outside Chennai, search for the branch on a maps application using the bank name and locality, or call 44-4449578136 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 UTIB0004494 and your account number.
Verifying IFSC UTIB0004494 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 UTIB0004494 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 44-4449578136.
- 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 Kolapakkam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0004494, however, work 24x7.
Branch address & contact
Axis BankKolapakkam Branch
NO 20 LAVENDER STREET MATHA NAGAR 4TH EXTENSION KOLAPAKKAM PORUR CHENNAI 600125
Chennai, Tamil Nadu
Phone: 44-4449578136
IFSC: UTIB0004494
Frequently asked questions
Where is Axis Bank Kolapakkam branch located?
Axis Bank's Kolapakkam branch is located at NO 20 LAVENDER STREET MATHA NAGAR 4TH EXTENSION KOLAPAKKAM PORUR CHENNAI 600125, Chennai, Tamil Nadu.
Can I use IFSC UTIB0004494 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0004494 to send funds instantly.
Is IFSC UTIB0004494 the same for all accounts at Kolapakkam branch?
Yes. The IFSC UTIB0004494 is shared by every account held at Axis Bank's Kolapakkam branch. Only the account number changes from customer to customer.
How do I add Axis Bank Kolapakkam as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0004494, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UTIB0004494 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Kolapakkam reflect within 30 minutes.
What is the phone number of Axis Bank Kolapakkam branch?
You can reach the branch at 44-4449578136 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 Kolapakkam branch but serve different purposes.
Final notes
To recap: UTIB0004494 is the IFSC code of Axis Bank, KOLAPAKKAM branch, in CHENNAI, TAMIL NADU. 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.
