If you are searching for the IFSC code of Axis Bank, SURADA branch in GANJAM, ODISHA, this page has every detail you need. The verified IFSC code for this branch is UTIB0003894. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the SURADA branch, and detailed step-by-step guides for using the IFSC UTIB0003894 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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 SURADA branch, the IFSC UTIB0003894 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 003894 identifies this particular branch.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Surada |
| IFSC Code | UTIB0003894 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, HOLDING NO 157, PLOT NO 1441 3793, SURADA, DIST GANJAM, ODISHA, PIN 761108 |
| City | Ganjam |
| District | Ganjam |
| State | Odisha |
| STD Code | 6819 |
| Phone | 270058 |
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Surada 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, UTIB0003894.
About the Surada branch
The Surada branch of Axis Bank is situated at GROUND FLOOR, HOLDING NO 157, PLOT NO 1441 3793, SURADA, DIST GANJAM, ODISHA, PIN 761108. 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 UTIB0003894 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 SURADA of Axis Bank — its own 11-character IFSC. The code UTIB0003894 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 UTIB0003894 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC UTIB0003894
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 UTIB0003894 across all three.
NEFT to Axis Bank, SURADA using IFSC UTIB0003894
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 UTIB0003894, and confirm that the system picks up Axis Bank – SURADA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to SURADA
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's SURADA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0003894 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank SURADA (IFSC UTIB0003894)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0003894 in your mobile or internet banking app, and the money is credited to the SURADA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Surada
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 UTIB0003894:
- 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 SURADA is still linked to IFSC UTIB0003894.
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.
UPI payments and IFSC UTIB0003894
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 – SURADA is still mapped to IFSC UTIB0003894. 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 UTIB0003894 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Surada branch is mapped to IFSC UTIB0003894 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 UTIB0003894.
Products and services
Customers walking into the Surada branch can access most of Axis Bank's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC UTIB0003894
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Axis Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC UTIB0003894 and the account number together uniquely identify the Surada branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC UTIB0003894
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the SURADA 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 UTIB0003894 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.
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 – SURADA:
- The IFSC is exactly UTIB0003894 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 SURADA 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.
How to reach the Surada branch
The branch is located at GROUND FLOOR, HOLDING NO 157, PLOT NO 1441 3793, SURADA, DIST GANJAM, ODISHA, PIN 761108, which puts it inside Ganjam, the broader Ganjam district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Surada branch” — the verified location pin for IFSC UTIB0003894 should appear at the top of the results.
- Confirm the branch is open by calling 6819-270058 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 UTIB0003894 and your account number.
Verifying IFSC UTIB0003894 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 UTIB0003894 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 6819-270058.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Surada 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 UTIB0003894 continue to work without interruption.
Branch address & contact
Axis BankSurada Branch
GROUND FLOOR, HOLDING NO 157, PLOT NO 1441 3793, SURADA, DIST GANJAM, ODISHA, PIN 761108
Ganjam, Odisha
Phone: 6819-270058
IFSC: UTIB0003894
Frequently asked questions
How do I add Axis Bank Surada as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0003894, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UTIB0003894 valid for NEFT and RTGS?
Yes. IFSC UTIB0003894 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 Surada branch but serve different purposes.
Is IFSC UTIB0003894 the same for all accounts at Surada branch?
Yes. The IFSC UTIB0003894 is shared by every account held at Axis Bank's Surada branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using UTIB0003894 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Surada reflect within 30 minutes.
What is the IFSC code of Axis Bank Surada branch?
The IFSC code of Axis Bank, Surada branch is UTIB0003894. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC UTIB0003894 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0003894 to send funds instantly.
Summary
The IFSC code UTIB0003894 belongs to Axis Bank's SURADA branch, located at GROUND FLOOR, HOLDING NO 157, PLOT NO 1441 3793, SURADA, DIST GANJAM, ODISHA,… 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.
