This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, GADWAL branch in GADWAL. The 11-digit IFSC UTIB0002885 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 GADWAL 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.
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 – GADWAL is UTIB0002885. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002885 map to this branch in GADWAL, TELANGANA.
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Gadwal branch in Gadwal, Telangana is part of this network and uses the IFSC code UTIB0002885 for all electronic settlement.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Gadwal |
| IFSC Code | UTIB0002885 |
| MICR Code | Refer to cheque leaf |
| Branch Address | H NO 7 10 154 LINGAMBAGH COLONY GADWAL PIN CODE 509125 |
| City | Gadwal |
| District | Mahbubnagar |
| State | Telangana |
| STD Code | 8546 |
| Phone | 272704 |
About the Gadwal branch
The Gadwal branch of Axis Bank is situated at H NO 7 10 154 LINGAMBAGH COLONY GADWAL PIN CODE 509125. 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 UTIB0002885 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 GADWAL of Axis Bank — its own 11-character IFSC. The code UTIB0002885 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 UTIB0002885 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 Gadwal branch is mapped to IFSC UTIB0002885 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 UTIB0002885.
Banking services available
The Gadwal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8546-272704.
- 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 UTIB0002885
How to transfer money using IFSC UTIB0002885
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 UTIB0002885 across all three.
NEFT to Axis Bank, GADWAL using IFSC UTIB0002885
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 UTIB0002885, and confirm that the system picks up Axis Bank – GADWAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0002885
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 – GADWAL, ensure your bank's portal accepts IFSC UTIB0002885 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – GADWAL, use IMPS. With IFSC UTIB0002885 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 UTIB0002885 for Axis Bank – GADWAL, 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 – UTIB0002885 | Yes – UTIB0002885 | Yes – UTIB0002885 |
For most retail customers crediting the Gadwal 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 UTIB0002885
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 – GADWAL is still mapped to IFSC UTIB0002885. 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 UTIB0002885 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Gadwal 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 UTIB0002885 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.
MICR & cheque-truncation details
Cheques drawn on the Gadwal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0002885 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 UTIB0002885
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 – GADWAL, 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:
UTIB0002885. - 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 Gadwal branch sits at H NO 7 10 154 LINGAMBAGH COLONY GADWAL PIN CODE 509125. If you are travelling from outside Gadwal, search for the branch on a maps application using the bank name and locality, or call 8546-272704 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 UTIB0002885 and your account number.
Verifying IFSC UTIB0002885 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 UTIB0002885 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8546-272704.
- Visiting the bank's official branch locator page.
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 Gadwal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0002885, however, work 24x7.
Branch address & contact
Axis BankGadwal Branch
H NO 7 10 154 LINGAMBAGH COLONY GADWAL PIN CODE 509125
Gadwal, Telangana
Phone: 8546-272704
IFSC: UTIB0002885
Frequently asked questions
Where is Axis Bank Gadwal branch located?
Axis Bank's Gadwal branch is located at H NO 7 10 154 LINGAMBAGH COLONY GADWAL PIN CODE 509125, Gadwal, Telangana.
How do I add Axis Bank Gadwal as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0002885, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC UTIB0002885 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0002885 to send funds instantly.
Does Axis Bank Gadwal branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 8546-272704 to confirm.
Is IFSC UTIB0002885 the same for all accounts at Gadwal branch?
Yes. The IFSC UTIB0002885 is shared by every account held at Axis Bank's Gadwal branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using UTIB0002885 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Gadwal reflect within 30 minutes.
Summary
The IFSC code UTIB0002885 belongs to Axis Bank's GADWAL branch, located at H NO 7 10 154 LINGAMBAGH COLONY GADWAL PIN CODE 509125 in GADWAL, TELANGANA. 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.
