If you are searching for the IFSC code of Axis Bank, CHIRALA branch in CHIRALA, ANDHRA PRADESH, this page has every detail you need. The verified IFSC code for this branch is UTIB0001017. 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 CHIRALA branch, and detailed step-by-step guides for using the IFSC UTIB0001017 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.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Axis Bank's CHIRALA branch, the IFSC UTIB0001017 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 001017 identifies this particular branch.
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Chirala branch in Chirala. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UTIB0001017.
About the Chirala branch
The Chirala branch of Axis Bank is situated at 14-19-77, R R ROAD ,CHIRALA, PRAKASAM DISTRICT,ANDHRA PRADESH, PIN 523155.. 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 UTIB0001017 is used.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Chirala |
| IFSC Code | UTIB0001017 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 14-19-77, R R ROAD ,CHIRALA, PRAKASAM DISTRICT,ANDHRA PRADESH, PIN 523155. |
| City | Chirala |
| District | Prakasam |
| State | Andhra Pradesh |
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Axis Bank's CHIRALA branch came to be assigned the code UTIB0001017.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC UTIB0001017, money simply cannot be routed to the CHIRALA branch electronically.
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 UTIB0001017 and the account number together uniquely identify the Chirala branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UTIB0001017
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 UTIB0001017 across all three.
How to use IFSC UTIB0001017 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's CHIRALA 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 UTIB0001017.
- Confirm the bank name auto-populates as Axis Bank and the branch as CHIRALA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UTIB0001017
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 – CHIRALA, ensure your bank's portal accepts IFSC UTIB0001017 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – CHIRALA, use IMPS. With IFSC UTIB0001017 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 UTIB0001017 for Axis Bank – CHIRALA, 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 – UTIB0001017 | Yes – UTIB0001017 | Yes – UTIB0001017 |
For most retail customers crediting the Chirala 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 CHIRALA branch, the IFSC UTIB0001017 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 Chirala branch is mapped to IFSC UTIB0001017 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 UTIB0001017.
Banking services available
The Chirala branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.
- 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 UTIB0001017
Digital banking channels
Most day-to-day work that customers used to do at the Chirala 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 UTIB0001017 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.
How to reach the Chirala branch
The branch is located at 14-19-77, R R ROAD ,CHIRALA, PRAKASAM DISTRICT,ANDHRA PRADESH, PIN 523155., which puts it inside Chirala, the broader Prakasam district, and the state of Andhra Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Chirala branch” — the verified location pin for IFSC UTIB0001017 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number 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 UTIB0001017 and your account number.
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 – CHIRALA:
- The IFSC is exactly UTIB0001017 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 CHIRALA 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.
Working hours
Branch counters at Chirala 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 UTIB0001017 continue to work without interruption.
Verifying IFSC UTIB0001017 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 UTIB0001017 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on the branch contact number.
- Visiting the bank's official branch locator page.
Branch address & contact
Axis BankChirala Branch
14-19-77, R R ROAD ,CHIRALA, PRAKASAM DISTRICT,ANDHRA PRADESH, PIN 523155.
Chirala, Andhra Pradesh
Phone: the branch contact number
IFSC: UTIB0001017
Frequently asked questions
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 Chirala branch but serve different purposes.
Is IFSC UTIB0001017 valid for NEFT and RTGS?
Yes. IFSC UTIB0001017 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC UTIB0001017 the same for all accounts at Chirala branch?
Yes. The IFSC UTIB0001017 is shared by every account held at Axis Bank's Chirala branch. Only the account number changes from customer to customer.
How do I add Axis Bank Chirala as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0001017, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Axis Bank Chirala branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
What is the phone number of Axis Bank Chirala branch?
You can reach the branch at the branch contact number during regular banking hours.
Where is Axis Bank Chirala branch located?
Axis Bank's Chirala branch is located at 14-19-77, R R ROAD ,CHIRALA, PRAKASAM DISTRICT,ANDHRA PRADESH, PIN 523155., Chirala, Andhra Pradesh.
Final notes
To recap: UTIB0001017 is the IFSC code of Axis Bank, CHIRALA branch, in CHIRALA, ANDHRA PRADESH. 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.
