IFSC Code of Axis Bank, Dapoli Ratnagiri Branch, Maharashtra

Below are the complete branch details for Axis Bank, DAPOLI RATNAGIRI branch, located in DAPOLI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0003860. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UTIB0003860 for Axis Bank – DAPOLI RATNAGIRI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – DAPOLI RATNAGIRI is UTIB0003860. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003860 map to this branch in DAPOLI, MAHARASHTRA.

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Dapoli Ratnagiri branch — IFSC UTIB0003860 — extends the bank's services to customers in and around Dapoli, Maharashtra.

Branch details at a glance

Dapoli Ratnagiri branch overview

Located at GROUND FLOOR, SANTOSH SADAN, H. NO.169 1, OPP. TAHSIL OFFICE, DAPOLI CAMP, TALUKA DAPOLI, DISTRICT RATNAGIRI, PIN CODE 415 712, MAHARASTHTRA, the Dapoli Ratnagiri branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0003860 is required for all interbank electronic transfers routed through this branch.

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 DAPOLI RATNAGIRI branch came to be assigned the code UTIB0003860.

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 UTIB0003860, money simply cannot be routed to the DAPOLI RATNAGIRI branch electronically.

Products and account variants supported

Every account opened at the Dapoli Ratnagiri branch is mapped to IFSC UTIB0003860 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 UTIB0003860.

Banking services available

The Dapoli Ratnagiri branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2358-1801035577.

• 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 UTIB0003860

How to transfer money using IFSC UTIB0003860

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 UTIB0003860 across all three.

NEFT to Axis Bank, DAPOLI RATNAGIRI using IFSC UTIB0003860

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 UTIB0003860, and confirm that the system picks up Axis Bank – DAPOLI RATNAGIRI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UTIB0003860

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 – DAPOLI RATNAGIRI, ensure your bank's portal accepts IFSC UTIB0003860 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Axis Bank DAPOLI RATNAGIRI (IFSC UTIB0003860)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0003860 in your mobile or internet banking app, and the money is credited to the DAPOLI RATNAGIRI branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UTIB0003860 for Axis Bank – DAPOLI RATNAGIRI, 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.

For most retail customers crediting the Dapoli Ratnagiri 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.

UPI payments and IFSC UTIB0003860

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 – DAPOLI RATNAGIRI is still mapped to IFSC UTIB0003860. 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 UTIB0003860 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UTIB0003860

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the DAPOLI RATNAGIRI 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 UTIB0003860 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 Dapoli Ratnagiri branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0003860 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 UTIB0003860

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 – DAPOLI RATNAGIRI, 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: UTIB0003860.
• 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 Dapoli Ratnagiri branch

The branch is located at GROUND FLOOR, SANTOSH SADAN, H. NO.169 1, OPP. TAHSIL OFFICE, DAPOLI CAMP, TALUKA DAPOLI, DISTRICT RATNAGIRI, PIN CODE 415 712, MAHARASTHTRA, which puts it inside Dapoli, the broader Ratnagiri district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Dapoli Ratnagiri branch” — the verified location pin for IFSC UTIB0003860 should appear at the top of the results.
2. Confirm the branch is open by calling 2358-1801035577 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 UTIB0003860 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0003860 for Axis Bank – DAPOLI RATNAGIRI, 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 Dapoli Ratnagiri branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0003860, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0003860 belongs to Axis Bank's DAPOLI RATNAGIRI branch, located at GROUND FLOOR, SANTOSH SADAN, H. NO.169 1, OPP. TAHSIL OFFICE, DAPOLI CAMP,… in DAPOLI, MAHARASHTRA. 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.