Use this page as a one-stop reference for everything related to Axis Bank's KUSHAIGUDA branch in HYDERABAD, TELANGANA. The branch's IFSC code UTIB0003957 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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, UTIB0003957 is the IFSC of Axis Bank's KUSHAIGUDA branch. The format is fixed: UTIB = bank code, 0 = reserved, 003957 = branch identifier.
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Kushaiguda branch in Hyderabad. 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, UTIB0003957.
About the Kushaiguda branch
The Kushaiguda branch of Axis Bank is situated at NO 1 9 374,375,376, KUSHAIGUDA MAIN ROAD, KUSHAIGUDA, HYDERABAD, TELANGANA 500062. 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 UTIB0003957 is used.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Kushaiguda |
| IFSC Code | UTIB0003957 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO 1 9 374,375,376, KUSHAIGUDA MAIN ROAD, KUSHAIGUDA, HYDERABAD, TELANGANA 500062 |
| City | Hyderabad |
| District | Medchal |
| State | Telangana |
| STD Code | 40 |
| Phone | 29884271 |
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 KUSHAIGUDA of Axis Bank — its own 11-character IFSC. The code UTIB0003957 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 UTIB0003957 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Kushaiguda branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0003957 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 UTIB0003957
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 UTIB0003957 across all three.
How to use IFSC UTIB0003957 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's KUSHAIGUDA 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 UTIB0003957.
- Confirm the bank name auto-populates as Axis Bank and the branch as KUSHAIGUDA.
- 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 KUSHAIGUDA
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's KUSHAIGUDA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0003957 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 – KUSHAIGUDA, use IMPS. With IFSC UTIB0003957 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Kushaiguda
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 UTIB0003957:
- 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 KUSHAIGUDA is still linked to IFSC UTIB0003957.
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 UTIB0003957
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 – KUSHAIGUDA is still mapped to IFSC UTIB0003957. 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 UTIB0003957 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Kushaiguda branch is mapped to IFSC UTIB0003957 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 UTIB0003957.
Products and services
Customers walking into the Kushaiguda 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 UTIB0003957
Online banking and IFSC UTIB0003957
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the KUSHAIGUDA 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 UTIB0003957 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.
Reaching the branch
The Kushaiguda branch sits at NO 1 9 374,375,376, KUSHAIGUDA MAIN ROAD, KUSHAIGUDA, HYDERABAD, TELANGANA 500062. If you are travelling from outside Hyderabad, search for the branch on a maps application using the bank name and locality, or call 40-29884271 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 UTIB0003957 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 – KUSHAIGUDA:
- The IFSC is exactly UTIB0003957 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 KUSHAIGUDA 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 Kushaiguda 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 UTIB0003957 continue to work without interruption.
Verifying IFSC UTIB0003957 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 UTIB0003957 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 40-29884271.
- Visiting the bank's official branch locator page.
Branch address & contact
Axis BankKushaiguda Branch
NO 1 9 374,375,376, KUSHAIGUDA MAIN ROAD, KUSHAIGUDA, HYDERABAD, TELANGANA 500062
Hyderabad, Telangana
Phone: 40-29884271
IFSC: UTIB0003957
Frequently asked questions
Can I use IFSC UTIB0003957 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0003957 to send funds instantly.
Does Axis Bank Kushaiguda branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 40-29884271 to confirm.
How do I add Axis Bank Kushaiguda as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0003957, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UTIB0003957 the same for all accounts at Kushaiguda branch?
Yes. The IFSC UTIB0003957 is shared by every account held at Axis Bank's Kushaiguda branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using UTIB0003957 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Kushaiguda reflect within 30 minutes.
Is IFSC UTIB0003957 valid for NEFT and RTGS?
Yes. IFSC UTIB0003957 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code UTIB0003957 belongs to Axis Bank's KUSHAIGUDA branch, located at NO 1 9 374,375,376, KUSHAIGUDA MAIN ROAD, KUSHAIGUDA, HYDERABAD, TELANGANA… in HYDERABAD, 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.
