This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, MUGALIVAKKAM branch in CHENNAI. The 11-digit IFSC UTIB0005819 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Axis Bank at the MUGALIVAKKAM location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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 – MUGALIVAKKAM is UTIB0005819. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 005819 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 Mugalivakkam branch in Chennai, Tamil Nadu is part of this network and uses the IFSC code UTIB0005819 for all electronic settlement.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Mugalivakkam |
| IFSC Code | UTIB0005819 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 54,GURUSWAMY NAGAR,MUGALIVAKKAM MAIN ROAD,MADANANDAPURAM,CHENNAI |
| City | Chennai |
| District | Chennai |
| State | Tamil Nadu |
| STD Code | 44 |
| Phone | 9384605361 |
Mugalivakkam branch overview
Located at 54,GURUSWAMY NAGAR,MUGALIVAKKAM MAIN ROAD,MADANANDAPURAM,CHENNAI, the Mugalivakkam branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0005819 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 MUGALIVAKKAM of Axis Bank — its own 11-character IFSC. The code UTIB0005819 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 UTIB0005819 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 Mugalivakkam branch is mapped to IFSC UTIB0005819 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 UTIB0005819.
Products and services
Customers walking into the Mugalivakkam 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 UTIB0005819
How to transfer money using IFSC UTIB0005819
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 UTIB0005819 across all three.
NEFT to Axis Bank, MUGALIVAKKAM using IFSC UTIB0005819
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 UTIB0005819, and confirm that the system picks up Axis Bank – MUGALIVAKKAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0005819
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 – MUGALIVAKKAM, ensure your bank's portal accepts IFSC UTIB0005819 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Axis Bank MUGALIVAKKAM (IFSC UTIB0005819)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0005819 in your mobile or internet banking app, and the money is credited to the MUGALIVAKKAM branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0005819 for Axis Bank – MUGALIVAKKAM, 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 – UTIB0005819 | Yes – UTIB0005819 | Yes – UTIB0005819 |
For most retail customers crediting the Mugalivakkam 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.
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 MUGALIVAKKAM branch, the IFSC UTIB0005819 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.
Online banking and IFSC UTIB0005819
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the MUGALIVAKKAM 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 UTIB0005819 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.
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 UTIB0005819 and the account number together uniquely identify the Mugalivakkam 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 – MUGALIVAKKAM:
- The IFSC is exactly UTIB0005819 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 MUGALIVAKKAM 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 Mugalivakkam branch sits at 54,GURUSWAMY NAGAR,MUGALIVAKKAM MAIN ROAD,MADANANDAPURAM,CHENNAI. If you are travelling from outside Chennai, search for the branch on a maps application using the bank name and locality, or call 44-9384605361 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 UTIB0005819 and your account number.
Verifying IFSC UTIB0005819 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 UTIB0005819 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 44-9384605361.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Mugalivakkam 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 UTIB0005819 continue to work without interruption.
Branch address & contact
Axis BankMugalivakkam Branch
54,GURUSWAMY NAGAR,MUGALIVAKKAM MAIN ROAD,MADANANDAPURAM,CHENNAI
Chennai, Tamil Nadu
Phone: 44-9384605361
IFSC: UTIB0005819
Frequently asked questions
Is IFSC UTIB0005819 valid for NEFT and RTGS?
Yes. IFSC UTIB0005819 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Axis Bank Mugalivakkam branch located?
Axis Bank's Mugalivakkam branch is located at 54,GURUSWAMY NAGAR,MUGALIVAKKAM MAIN ROAD,MADANANDAPURAM,CHENNAI, Chennai, Tamil Nadu.
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 Mugalivakkam branch but serve different purposes.
How do I add Axis Bank Mugalivakkam as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0005819, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UTIB0005819 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Mugalivakkam reflect within 30 minutes.
Can I use IFSC UTIB0005819 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0005819 to send funds instantly.
Is IFSC UTIB0005819 the same for all accounts at Mugalivakkam branch?
Yes. The IFSC UTIB0005819 is shared by every account held at Axis Bank's Mugalivakkam branch. Only the account number changes from customer to customer.
Does Axis Bank Mugalivakkam branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 44-9384605361 to confirm.
Summary
The IFSC code UTIB0005819 belongs to Axis Bank's MUGALIVAKKAM branch, located at 54,GURUSWAMY NAGAR,MUGALIVAKKAM MAIN ROAD,MADANANDAPURAM,CHENNAI 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.
