IFSC Code of Axis Bank, Buguda Branch, Odisha

Below are the complete branch details for Axis Bank, BUGUDA branch, located in GANJAM, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0003898. 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 UTIB0003898 for Axis Bank – BUGUDA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 BUGUDA branch, the IFSC UTIB0003898 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 003898 identifies this particular branch.

About Axis Bank

Axis Bank operates a wide network of branches across India, including the Buguda branch in Ganjam. 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, UTIB0003898.

About the Buguda branch

The Buguda branch of Axis Bank is situated at PL NO 1753 MAIN ROAD HIGH SCHOOL SQUARE, BUGUDA, PIN 761118. 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 UTIB0003898 is used.

Branch details at a glance

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 BUGUDA branch came to be assigned the code UTIB0003898.

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 UTIB0003898, money simply cannot be routed to the BUGUDA branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Buguda branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0003898 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 UTIB0003898

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 UTIB0003898 across all three.

NEFT to Axis Bank, BUGUDA using IFSC UTIB0003898

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 UTIB0003898, and confirm that the system picks up Axis Bank – BUGUDA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BUGUDA

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's BUGUDA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0003898 while initiating the transfer and the credit will appear within minutes.

IMPS to Axis Bank BUGUDA (IFSC UTIB0003898)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0003898 in your mobile or internet banking app, and the money is credited to the BUGUDA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Buguda

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC UTIB0003898:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at BUGUDA is still linked to IFSC UTIB0003898.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

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 BUGUDA branch, the IFSC UTIB0003898 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 Buguda branch is mapped to IFSC UTIB0003898 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 UTIB0003898.

Banking services available

The Buguda branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 6818-251017.

• 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 UTIB0003898

Digital banking channels

Most day-to-day work that customers used to do at the Buguda 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 UTIB0003898 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 Buguda branch

The branch is located at PL NO 1753 MAIN ROAD HIGH SCHOOL SQUARE, BUGUDA, PIN 761118, which puts it inside Ganjam, the broader Ganjam district, and the state of Odisha. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Buguda branch” — the verified location pin for IFSC UTIB0003898 should appear at the top of the results.
2. Confirm the branch is open by calling 6818-251017 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 UTIB0003898 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 – BUGUDA:

• The IFSC is exactly UTIB0003898 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 BUGUDA 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.

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 Buguda branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0003898, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0003898 for Axis Bank – BUGUDA, 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 address & contact

Frequently asked questions

Summary

The IFSC code UTIB0003898 belongs to Axis Bank's BUGUDA branch, located at PL NO 1753 MAIN ROAD HIGH SCHOOL SQUARE, BUGUDA, PIN 761118 in GANJAM, ODISHA. 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.