This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, RAMNAGAR MADIPAKKAM branch in CHENNAI. The 11-digit IFSC UTIB0003876 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 RAMNAGAR MADIPAKKAM 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.
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, UTIB0003876 is the IFSC of Axis Bank's RAMNAGAR MADIPAKKAM branch. The format is fixed: UTIB = bank code, 0 = reserved, 003876 = branch identifier.
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ramnagar Madipakkam branch in Chennai, Tamil Nadu is part of this network and uses the IFSC code UTIB0003876 for all electronic settlement.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Ramnagar Madipakkam |
| IFSC Code | UTIB0003876 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO 935, GROUND FLOOR, MADIPAKKAM BAZAAR ROAD, MADIPAKKAM, CHENNAI |
| City | Chennai |
| District | Kanchipuram |
| State | Tamil Nadu |
| STD Code | 44 |
| Phone | 22582251 |
About the Ramnagar Madipakkam branch
The Ramnagar Madipakkam branch of Axis Bank is situated at NO 935, GROUND FLOOR, MADIPAKKAM BAZAAR ROAD, MADIPAKKAM, CHENNAI. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code UTIB0003876 is used.
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 RAMNAGAR MADIPAKKAM of Axis Bank — its own 11-character IFSC. The code UTIB0003876 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 UTIB0003876 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 Ramnagar Madipakkam branch is mapped to IFSC UTIB0003876 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 UTIB0003876.
Banking services available
The Ramnagar Madipakkam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 44-22582251.
- 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 UTIB0003876
How to transfer money using IFSC UTIB0003876
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 UTIB0003876 across all three.
NEFT to Axis Bank, RAMNAGAR MADIPAKKAM using IFSC UTIB0003876
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 UTIB0003876, and confirm that the system picks up Axis Bank – RAMNAGAR MADIPAKKAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0003876
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 – RAMNAGAR MADIPAKKAM, ensure your bank's portal accepts IFSC UTIB0003876 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Axis Bank RAMNAGAR MADIPAKKAM (IFSC UTIB0003876)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0003876 in your mobile or internet banking app, and the money is credited to the RAMNAGAR MADIPAKKAM branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Ramnagar Madipakkam
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 UTIB0003876:
- 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 RAMNAGAR MADIPAKKAM is still linked to IFSC UTIB0003876.
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 UTIB0003876
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 – RAMNAGAR MADIPAKKAM is still mapped to IFSC UTIB0003876. 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 UTIB0003876 and the beneficiary's account number to complete the transfer.
Online banking and IFSC UTIB0003876
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the RAMNAGAR MADIPAKKAM 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 UTIB0003876 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 & cheque-truncation details
Cheques drawn on the Ramnagar Madipakkam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0003876 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC UTIB0003876
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 – RAMNAGAR MADIPAKKAM, 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:
UTIB0003876. - 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 Ramnagar Madipakkam branch
The branch is located at NO 935, GROUND FLOOR, MADIPAKKAM BAZAAR ROAD, MADIPAKKAM, CHENNAI, 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 Ramnagar Madipakkam branch” — the verified location pin for IFSC UTIB0003876 should appear at the top of the results.
- Confirm the branch is open by calling 44-22582251 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 UTIB0003876 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0003876 for Axis Bank – RAMNAGAR MADIPAKKAM, 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 Ramnagar Madipakkam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0003876, however, work 24x7.
Branch address & contact
Axis BankRamnagar Madipakkam Branch
NO 935, GROUND FLOOR, MADIPAKKAM BAZAAR ROAD, MADIPAKKAM, CHENNAI
Chennai, Tamil Nadu
Phone: 44-22582251
IFSC: UTIB0003876
Frequently asked questions
Does Axis Bank Ramnagar Madipakkam branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 44-22582251 to confirm.
Can I use IFSC UTIB0003876 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0003876 to send funds instantly.
How quickly will an NEFT transfer using UTIB0003876 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Ramnagar Madipakkam reflect within 30 minutes.
Is IFSC UTIB0003876 valid for NEFT and RTGS?
Yes. IFSC UTIB0003876 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC UTIB0003876 the same for all accounts at Ramnagar Madipakkam branch?
Yes. The IFSC UTIB0003876 is shared by every account held at Axis Bank's Ramnagar Madipakkam branch. Only the account number changes from customer to customer.
What is the IFSC code of Axis Bank Ramnagar Madipakkam branch?
The IFSC code of Axis Bank, Ramnagar Madipakkam branch is UTIB0003876. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Ramnagar Madipakkam branch but serve different purposes.
Summary
The IFSC code UTIB0003876 belongs to Axis Bank's RAMNAGAR MADIPAKKAM branch, located at NO 935, GROUND FLOOR, MADIPAKKAM BAZAAR ROAD, MADIPAKKAM, 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.
