IFSC Code of Axis Bank, Kakinada , Andhra Pradesh Branch, Andhra Pradesh

Use this page as a one-stop reference for everything related to Axis Bank's KAKINADA , ANDHRA PRADESH branch in KAKINADA, ANDHRA PRADESH. The branch's IFSC code UTIB0000076 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Axis Bank – KAKINADA , ANDHRA PRADESH is UTIB0000076. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000076 map to this branch in KAKINADA, ANDHRA PRADESH.

Branch details at a glance

About Axis Bank

Axis Bank operates a wide network of branches across India, including the Kakinada , Andhra Pradesh branch in Kakinada. 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, UTIB0000076.

About the Kakinada , Andhra Pradesh branch

The Kakinada , Andhra Pradesh branch of Axis Bank is situated at 1ST FLOOR GRR BUILDING 13-1-15 SUBHASH ROAD SURYARAOPETA KAKINADA. 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 UTIB0000076 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 KAKINADA , ANDHRA PRADESH of Axis Bank — its own 11-character IFSC. The code UTIB0000076 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 UTIB0000076 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 UTIB0000076

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 UTIB0000076 across all three.

How to use IFSC UTIB0000076 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's KAKINADA , ANDHRA PRADESH 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 UTIB0000076.
4. Confirm the bank name auto-populates as Axis Bank and the branch as KAKINADA , ANDHRA PRADESH.
5. 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 KAKINADA , ANDHRA PRADESH

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's KAKINADA , ANDHRA PRADESH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0000076 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 – KAKINADA , ANDHRA PRADESH, use IMPS. With IFSC UTIB0000076 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 UTIB0000076 for Axis Bank – KAKINADA , ANDHRA PRADESH, 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.

For most retail customers crediting the Kakinada , Andhra Pradesh 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.

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 KAKINADA , ANDHRA PRADESH branch, the IFSC UTIB0000076 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 Kakinada , Andhra Pradesh branch is mapped to IFSC UTIB0000076 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 UTIB0000076.

Products and services

Customers walking into the Kakinada , Andhra Pradesh 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 UTIB0000076

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 UTIB0000076 and the account number together uniquely identify the Kakinada , Andhra Pradesh branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC UTIB0000076

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the KAKINADA , ANDHRA PRADESH 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 UTIB0000076 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.

Common mistakes to avoid when using IFSC UTIB0000076

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 – KAKINADA , ANDHRA PRADESH, 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: UTIB0000076.
• 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.

Reaching the branch

The Kakinada , Andhra Pradesh branch sits at 1ST FLOOR GRR BUILDING 13-1-15 SUBHASH ROAD SURYARAOPETA KAKINADA. If you are travelling from outside Kakinada, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 UTIB0000076 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0000076 for Axis Bank – KAKINADA , ANDHRA PRADESH, 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 Kakinada , Andhra Pradesh branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0000076, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0000076 is the IFSC code of Axis Bank, KAKINADA , ANDHRA PRADESH branch, in KAKINADA, ANDHRA PRADESH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.