Below are the complete branch details for Axis Bank, KADI branch, located in KADI, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0003354. 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 UTIB0003354 for Axis Bank – KADI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, UTIB0003354 is the IFSC of Axis Bank's KADI branch. The format is fixed: UTIB = bank code, 0 = reserved, 003354 = branch identifier.
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kadi branch in Kadi, Gujarat is part of this network and uses the IFSC code UTIB0003354 for all electronic settlement.
About this branch
The branch is located at SHOP NO 16 TO 20 PARMANAND PLAZA NR FIRE STATION. It serves the Kadi region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Axis Bank. The IFSC UTIB0003354 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Kadi |
| IFSC Code | UTIB0003354 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHOP NO 16 TO 20 PARMANAND PLAZA NR FIRE STATION |
| City | Kadi |
| District | Mehsana |
| State | Gujarat |
| STD Code | 2764 |
| Phone | 291391 |
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 KADI branch came to be assigned the code UTIB0003354.
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 UTIB0003354, money simply cannot be routed to the KADI branch electronically.
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 UTIB0003354 and the account number together uniquely identify the Kadi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UTIB0003354
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 UTIB0003354 across all three.
NEFT to Axis Bank, KADI using IFSC UTIB0003354
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 UTIB0003354, and confirm that the system picks up Axis Bank – KADI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0003354
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 – KADI, ensure your bank's portal accepts IFSC UTIB0003354 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – KADI, use IMPS. With IFSC UTIB0003354 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 UTIB0003354 for Axis Bank – KADI, 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 – UTIB0003354 | Yes – UTIB0003354 | Yes – UTIB0003354 |
For most retail customers crediting the Kadi 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 UTIB0003354
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 – KADI is still mapped to IFSC UTIB0003354. 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 UTIB0003354 and the beneficiary's account number to complete the transfer.
Account types you can open at the Kadi branch
Once you have an account at Axis Bank – KADI, the IFSC UTIB0003354 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.
Banking services available
The Kadi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2764-291391.
- 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 UTIB0003354
Online banking and IFSC UTIB0003354
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the KADI 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 UTIB0003354 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 Kadi branch sits at SHOP NO 16 TO 20 PARMANAND PLAZA NR FIRE STATION. If you are travelling from outside Kadi, search for the branch on a maps application using the bank name and locality, or call 2764-291391 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 UTIB0003354 and your account number.
Common mistakes to avoid when using IFSC UTIB0003354
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 – KADI, 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:
UTIB0003354. - 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.
Working hours
Branch counters at Kadi 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 UTIB0003354 continue to work without interruption.
Verifying IFSC UTIB0003354 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 UTIB0003354 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2764-291391.
- Visiting the bank's official branch locator page.
Branch address & contact
Axis BankKadi Branch
SHOP NO 16 TO 20 PARMANAND PLAZA NR FIRE STATION
Kadi, Gujarat
Phone: 2764-291391
IFSC: UTIB0003354
Frequently asked questions
Is IFSC UTIB0003354 the same for all accounts at Kadi branch?
Yes. The IFSC UTIB0003354 is shared by every account held at Axis Bank's Kadi branch. Only the account number changes from customer to customer.
Does Axis Bank Kadi branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2764-291391 to confirm.
What is the phone number of Axis Bank Kadi branch?
You can reach the branch at 2764-291391 during regular banking hours.
How do I add Axis Bank Kadi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0003354, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Axis Bank Kadi branch located?
Axis Bank's Kadi branch is located at SHOP NO 16 TO 20 PARMANAND PLAZA NR FIRE STATION, Kadi, Gujarat.
Can I use IFSC UTIB0003354 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0003354 to send funds instantly.
What is the IFSC code of Axis Bank Kadi branch?
The IFSC code of Axis Bank, Kadi branch is UTIB0003354. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code UTIB0003354 belongs to Axis Bank's KADI branch, located at SHOP NO 16 TO 20 PARMANAND PLAZA NR FIRE STATION in KADI, GUJARAT. 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.
