Below are the complete branch details for Axis Bank, RAYAVARAM branch, located in EAST GODAVARI, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0003698. 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 UTIB0003698 for Axis Bank – RAYAVARAM — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, UTIB0003698 is the IFSC of Axis Bank's RAYAVARAM branch. The format is fixed: UTIB = bank code, 0 = reserved, 003698 = branch identifier.
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Rayavaram branch in East Godavari. 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, UTIB0003698.
Rayavaram branch overview
Located at DNO. 4 152, RAYAVARAM VILLAGE AND MANDAL, RAYAVARAM, EAST GODAVARI, the Rayavaram branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0003698 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Rayavaram |
| IFSC Code | UTIB0003698 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DNO. 4 152, RAYAVARAM VILLAGE AND MANDAL, RAYAVARAM, EAST GODAVARI |
| City | East Godavari |
| District | East Godavari |
| State | Andhra Pradesh |
| STD Code | 866 |
| Phone | 8469318 |
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 RAYAVARAM branch came to be assigned the code UTIB0003698.
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 UTIB0003698, money simply cannot be routed to the RAYAVARAM branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Rayavaram branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0003698 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC UTIB0003698
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 UTIB0003698 across all three.
NEFT to Axis Bank, RAYAVARAM using IFSC UTIB0003698
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 UTIB0003698, and confirm that the system picks up Axis Bank – RAYAVARAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to RAYAVARAM
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's RAYAVARAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0003698 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 – RAYAVARAM, use IMPS. With IFSC UTIB0003698 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 UTIB0003698 for Axis Bank – RAYAVARAM, 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 – UTIB0003698 | Yes – UTIB0003698 | Yes – UTIB0003698 |
For most retail customers crediting the Rayavaram 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 UTIB0003698
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 – RAYAVARAM is still mapped to IFSC UTIB0003698. 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 UTIB0003698 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Rayavaram branch is mapped to IFSC UTIB0003698 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 UTIB0003698.
Banking services available
The Rayavaram branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 866-8469318.
- 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 UTIB0003698
Digital banking channels
Most day-to-day work that customers used to do at the Rayavaram 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 UTIB0003698 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 Rayavaram branch
The branch is located at DNO. 4 152, RAYAVARAM VILLAGE AND MANDAL, RAYAVARAM, EAST GODAVARI, which puts it inside East Godavari, the broader East Godavari district, and the state of Andhra Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Rayavaram branch” — the verified location pin for IFSC UTIB0003698 should appear at the top of the results.
- Confirm the branch is open by calling 866-8469318 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 UTIB0003698 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 – RAYAVARAM:
- The IFSC is exactly UTIB0003698 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 RAYAVARAM 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 Rayavaram 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 UTIB0003698 continue to work without interruption.
Verifying IFSC UTIB0003698 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 UTIB0003698 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 866-8469318.
- Visiting the bank's official branch locator page.
Branch address & contact
Axis BankRayavaram Branch
DNO. 4 152, RAYAVARAM VILLAGE AND MANDAL, RAYAVARAM, EAST GODAVARI
East Godavari, Andhra Pradesh
Phone: 866-8469318
IFSC: UTIB0003698
Frequently asked questions
Where is Axis Bank Rayavaram branch located?
Axis Bank's Rayavaram branch is located at DNO. 4 152, RAYAVARAM VILLAGE AND MANDAL, RAYAVARAM, EAST GODAVARI, East Godavari, Andhra Pradesh.
Can I use IFSC UTIB0003698 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0003698 to send funds instantly.
Is IFSC UTIB0003698 valid for NEFT and RTGS?
Yes. IFSC UTIB0003698 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Rayavaram branch but serve different purposes.
How do I add Axis Bank Rayavaram as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0003698, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Axis Bank Rayavaram branch?
You can reach the branch at 866-8469318 during regular banking hours.
Does Axis Bank Rayavaram branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 866-8469318 to confirm.
Summary
The IFSC code UTIB0003698 belongs to Axis Bank's RAYAVARAM branch, located at DNO. 4 152, RAYAVARAM VILLAGE AND MANDAL, RAYAVARAM, EAST GODAVARI in EAST GODAVARI, ANDHRA PRADESH. 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.
