IFSC Code of Axis Bank, Radial Road Kovilambakkam Branch, Tamil Nadu

If you are searching for the IFSC code of Axis Bank, RADIAL ROAD KOVILAMBAKKAM branch in CHENNAI, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is UTIB0006034. 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 RADIAL ROAD KOVILAMBAKKAM branch, and detailed step-by-step guides for using the IFSC UTIB0006034 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.

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 – RADIAL ROAD KOVILAMBAKKAM is UTIB0006034. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 006034 map to this branch in CHENNAI, TAMIL NADU.

Branch details at a glance

About the bank

Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Radial Road Kovilambakkam branch in Chennai, Tamil Nadu is part of this network and uses the IFSC code UTIB0006034 for all electronic settlement.

Radial Road Kovilambakkam branch overview

Located at DRA 90 DEGREES, GROUND FLOOR OPP KAUVERY HOSPITAL SF NO 19 1A1, 200 FEET RADIAL ROAD, KOVILAMBAKKAM CHENNAI 600129, the Radial Road Kovilambakkam branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0006034 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 RADIAL ROAD KOVILAMBAKKAM of Axis Bank — its own 11-character IFSC. The code UTIB0006034 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 UTIB0006034 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 UTIB0006034

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 UTIB0006034 across all three.

How to use IFSC UTIB0006034 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's RADIAL ROAD KOVILAMBAKKAM 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UTIB0006034.
4. Confirm the bank name auto-populates as Axis Bank and the branch as RADIAL ROAD KOVILAMBAKKAM.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to RADIAL ROAD KOVILAMBAKKAM

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's RADIAL ROAD KOVILAMBAKKAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0006034 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Axis Bank – RADIAL ROAD KOVILAMBAKKAM, use IMPS. With IFSC UTIB0006034 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 Radial Road Kovilambakkam

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 UTIB0006034:

• 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 RADIAL ROAD KOVILAMBAKKAM is still linked to IFSC UTIB0006034.

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 RADIAL ROAD KOVILAMBAKKAM branch, the IFSC UTIB0006034 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.

Products and account variants supported

Every account opened at the Radial Road Kovilambakkam branch is mapped to IFSC UTIB0006034 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 UTIB0006034.

Products and services

Customers walking into the Radial Road Kovilambakkam 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 UTIB0006034

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 UTIB0006034 and the account number together uniquely identify the Radial Road Kovilambakkam 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 Radial Road Kovilambakkam 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 UTIB0006034 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.

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 – RADIAL ROAD KOVILAMBAKKAM:

• The IFSC is exactly UTIB0006034 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 RADIAL ROAD KOVILAMBAKKAM 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.

How to reach the Radial Road Kovilambakkam branch

The branch is located at DRA 90 DEGREES, GROUND FLOOR OPP KAUVERY HOSPITAL SF NO 19 1A1, 200 FEET RADIAL ROAD, KOVILAMBAKKAM CHENNAI 600129, which puts it inside Chennai, the broader Chennai district, and the state of Tamil Nadu. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Radial Road Kovilambakkam branch” — the verified location pin for IFSC UTIB0006034 should appear at the top of the results.
2. Confirm the branch is open by calling 44-6383526611 before stepping out, especially around public holidays.
3. 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 UTIB0006034 and your account number.

Verifying IFSC UTIB0006034 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 UTIB0006034 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 44-6383526611.
• 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 Radial Road Kovilambakkam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0006034, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0006034 is the IFSC code of Axis Bank, RADIAL ROAD KOVILAMBAKKAM 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.