Below are the complete branch details for Axis Bank, ELURU ONETOWN branch, located in ELURU, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0003553. 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 UTIB0003553 for Axis Bank – ELURU ONETOWN — 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, UTIB0003553 is the IFSC of Axis Bank's ELURU ONETOWN branch. The format is fixed: UTIB = bank code, 0 = reserved, 003553 = branch identifier.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Eluru Onetown |
| IFSC Code | UTIB0003553 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PARDARTHI V S RAO JAYAM RESIDENCY DOOR NO 34 15 8 PERUGUCHETTU CENTER ELURU AP 534001 |
| City | Eluru |
| District | Eluru |
| State | Andhra Pradesh |
| STD Code | 866 |
| Phone | 8469318 |
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Eluru Onetown branch — IFSC UTIB0003553 — extends the bank's services to customers in and around Eluru, Andhra Pradesh.
About the Eluru Onetown branch
The Eluru Onetown branch of Axis Bank is situated at PARDARTHI V S RAO JAYAM RESIDENCY DOOR NO 34 15 8 PERUGUCHETTU CENTER ELURU AP 534001. 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 UTIB0003553 is used.
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 ELURU ONETOWN branch came to be assigned the code UTIB0003553.
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 UTIB0003553, money simply cannot be routed to the ELURU ONETOWN branch electronically.
How to transfer money using IFSC UTIB0003553
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 UTIB0003553 across all three.
How to use IFSC UTIB0003553 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's ELURU ONETOWN 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 UTIB0003553.
- Confirm the bank name auto-populates as Axis Bank and the branch as ELURU ONETOWN.
- 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 ELURU ONETOWN
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's ELURU ONETOWN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0003553 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank ELURU ONETOWN (IFSC UTIB0003553)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0003553 in your mobile or internet banking app, and the money is credited to the ELURU ONETOWN branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0003553 for Axis Bank – ELURU ONETOWN, 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 – UTIB0003553 | Yes – UTIB0003553 | Yes – UTIB0003553 |
For most retail customers crediting the Eluru Onetown 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 ELURU ONETOWN branch, the IFSC UTIB0003553 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 Eluru Onetown branch is mapped to IFSC UTIB0003553 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 UTIB0003553.
Banking services available
The Eluru Onetown 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 UTIB0003553
MICR & cheque-truncation details
Cheques drawn on the Eluru Onetown branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0003553 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC UTIB0003553
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the ELURU ONETOWN 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 UTIB0003553 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.
Common mistakes to avoid when using IFSC UTIB0003553
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 – ELURU ONETOWN, 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:
UTIB0003553. - 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.
Reaching the branch
The Eluru Onetown branch sits at PARDARTHI V S RAO JAYAM RESIDENCY DOOR NO 34 15 8 PERUGUCHETTU CENTER ELURU AP 534001. If you are travelling from outside Eluru, search for the branch on a maps application using the bank name and locality, or call 866-8469318 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC UTIB0003553 and your account number.
Verifying IFSC UTIB0003553 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 UTIB0003553 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.
Working hours
Branch counters at Eluru Onetown 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 UTIB0003553 continue to work without interruption.
Branch address & contact
Axis BankEluru Onetown Branch
PARDARTHI V S RAO JAYAM RESIDENCY DOOR NO 34 15 8 PERUGUCHETTU CENTER ELURU AP 534001
Eluru, Andhra Pradesh
Phone: 866-8469318
IFSC: UTIB0003553
Frequently asked questions
Can I use IFSC UTIB0003553 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0003553 to send funds instantly.
What is the phone number of Axis Bank Eluru Onetown branch?
You can reach the branch at 866-8469318 during regular banking hours.
Does Axis Bank Eluru Onetown branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 866-8469318 to confirm.
Is IFSC UTIB0003553 the same for all accounts at Eluru Onetown branch?
Yes. The IFSC UTIB0003553 is shared by every account held at Axis Bank's Eluru Onetown branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using UTIB0003553 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Eluru Onetown reflect within 30 minutes.
What is the IFSC code of Axis Bank Eluru Onetown branch?
The IFSC code of Axis Bank, Eluru Onetown branch is UTIB0003553. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Axis Bank Eluru Onetown branch located?
Axis Bank's Eluru Onetown branch is located at PARDARTHI V S RAO JAYAM RESIDENCY DOOR NO 34 15 8 PERUGUCHETTU CENTER ELURU AP 534001, Eluru, Andhra Pradesh.
Summary
The IFSC code UTIB0003553 belongs to Axis Bank's ELURU ONETOWN branch, located at PARDARTHI V S RAO JAYAM RESIDENCY DOOR NO 34 15 8 PERUGUCHETTU CENTER ELURU AP… in ELURU, 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.
