IFSC Code of Axis Bank, Akhilya Circle Branch, Rajasthan

Use this page as a one-stop reference for everything related to Axis Bank's AKHILYA CIRCLE branch in JODHPUR, RAJASTHAN. The branch's IFSC code UTIB0004397 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, UTIB0004397 is the IFSC of Axis Bank's AKHILYA CIRCLE branch. The format is fixed: UTIB = bank code, 0 = reserved, 004397 = branch identifier.

Branch details at a glance

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Akhilya Circle branch — IFSC UTIB0004397 — extends the bank's services to customers in and around Jodhpur, Rajasthan.

Akhilya Circle branch overview

Located at GROUND FLOOR AND MEZZANINE FLOOR, A-49, BASANTI TOWER AKHILYA VIKAS YOJNA, SUR SAGAR ROAD,AKHILAYA CIRCLE,AKHILAYA 342008, the Akhilya Circle branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0004397 is required for all interbank electronic transfers routed through this branch.

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 AKHILYA CIRCLE branch came to be assigned the code UTIB0004397.

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 UTIB0004397, money simply cannot be routed to the AKHILYA CIRCLE branch electronically.

How to transfer money using IFSC UTIB0004397

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 UTIB0004397 across all three.

How to use IFSC UTIB0004397 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's AKHILYA CIRCLE 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UTIB0004397.
4. Confirm the bank name auto-populates as Axis Bank and the branch as AKHILYA CIRCLE.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UTIB0004397

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 – AKHILYA CIRCLE, ensure your bank's portal accepts IFSC UTIB0004397 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Axis Bank AKHILYA CIRCLE (IFSC UTIB0004397)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0004397 in your mobile or internet banking app, and the money is credited to the AKHILYA CIRCLE branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Akhilya Circle

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 UTIB0004397:

• 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 AKHILYA CIRCLE is still linked to IFSC UTIB0004397.

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 AKHILYA CIRCLE branch, the IFSC UTIB0004397 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.

Account types you can open at the Akhilya Circle branch

Once you have an account at Axis Bank – AKHILYA CIRCLE, the IFSC UTIB0004397 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Akhilya Circle 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 UTIB0004397

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 UTIB0004397 and the account number together uniquely identify the Akhilya Circle branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Akhilya Circle 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 UTIB0004397 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.

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 – AKHILYA CIRCLE:

• The IFSC is exactly UTIB0004397 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 AKHILYA CIRCLE 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 Akhilya Circle branch

The branch is located at GROUND FLOOR AND MEZZANINE FLOOR, A-49, BASANTI TOWER AKHILYA VIKAS YOJNA, SUR SAGAR ROAD,AKHILAYA CIRCLE,AKHILAYA 342008, which puts it inside Jodhpur, the broader Jodhpur district, and the state of Rajasthan. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Akhilya Circle branch” — the verified location pin for IFSC UTIB0004397 should appear at the top of the results.
2. Confirm the branch is open by calling 7665039111 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 UTIB0004397 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0004397 for Axis Bank – AKHILYA CIRCLE, 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 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 Akhilya Circle branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0004397, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0004397 belongs to Axis Bank's AKHILYA CIRCLE branch, located at GROUND FLOOR AND MEZZANINE FLOOR, A-49, BASANTI TOWER AKHILYA VIKAS YOJNA, SUR… in JODHPUR, RAJASTHAN. 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.