Below are the complete branch details for Axis Bank, BADAPODAGUDA branch, located in KALAHANDI, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0003486. 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 UTIB0003486 for Axis Bank – BADAPODAGUDA — 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, UTIB0003486 is the IFSC of Axis Bank's BADAPODAGUDA branch. The format is fixed: UTIB = bank code, 0 = reserved, 003486 = branch identifier.
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Badapodaguda branch in Kalahandi. 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, UTIB0003486.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Badapodaguda |
| IFSC Code | UTIB0003486 |
| MICR Code | Refer to cheque leaf |
| Branch Address | KALAHANDI |
| City | Kalahandi |
| District | Kalahandi |
| State | Odisha |
| STD Code | 6672 |
| Phone | 7894429449 |
About this branch
The branch is located at KALAHANDI. It serves the Kalahandi 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 UTIB0003486 is used to identify this branch on the RBI payments network.
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 BADAPODAGUDA of Axis Bank — its own 11-character IFSC. The code UTIB0003486 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 UTIB0003486 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Badapodaguda branch is mapped to IFSC UTIB0003486 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 UTIB0003486.
Products and services
Customers walking into the Badapodaguda 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 UTIB0003486
How to transfer money using IFSC UTIB0003486
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 UTIB0003486 across all three.
How to use IFSC UTIB0003486 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's BADAPODAGUDA 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 UTIB0003486.
- Confirm the bank name auto-populates as Axis Bank and the branch as BADAPODAGUDA.
- 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 BADAPODAGUDA
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's BADAPODAGUDA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0003486 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank BADAPODAGUDA (IFSC UTIB0003486)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0003486 in your mobile or internet banking app, and the money is credited to the BADAPODAGUDA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0003486 for Axis Bank – BADAPODAGUDA, 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 – UTIB0003486 | Yes – UTIB0003486 | Yes – UTIB0003486 |
For most retail customers crediting the Badapodaguda 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 UTIB0003486
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 – BADAPODAGUDA is still mapped to IFSC UTIB0003486. 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 UTIB0003486 and the beneficiary's account number to complete the transfer.
Online banking and IFSC UTIB0003486
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the BADAPODAGUDA 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 UTIB0003486 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.
MICR & cheque-truncation details
Cheques drawn on the Badapodaguda branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0003486 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC UTIB0003486
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 – BADAPODAGUDA, 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:
UTIB0003486. - 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 Badapodaguda branch sits at KALAHANDI. If you are travelling from outside Kalahandi, search for the branch on a maps application using the bank name and locality, or call 6672-7894429449 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 UTIB0003486 and your account number.
Verifying IFSC UTIB0003486 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 UTIB0003486 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 6672-7894429449.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Badapodaguda 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 UTIB0003486 continue to work without interruption.
Branch address & contact
Axis BankBadapodaguda Branch
KALAHANDI
Kalahandi, Odisha
Phone: 6672-7894429449
IFSC: UTIB0003486
Frequently asked questions
Where is Axis Bank Badapodaguda branch located?
Axis Bank's Badapodaguda branch is located at KALAHANDI, Kalahandi, Odisha.
Is IFSC UTIB0003486 the same for all accounts at Badapodaguda branch?
Yes. The IFSC UTIB0003486 is shared by every account held at Axis Bank's Badapodaguda branch. Only the account number changes from customer to customer.
Does Axis Bank Badapodaguda branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 6672-7894429449 to confirm.
How do I add Axis Bank Badapodaguda as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0003486, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC UTIB0003486 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0003486 to send funds instantly.
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 Badapodaguda branch but serve different purposes.
How quickly will an NEFT transfer using UTIB0003486 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Badapodaguda reflect within 30 minutes.
What is the IFSC code of Axis Bank Badapodaguda branch?
The IFSC code of Axis Bank, Badapodaguda branch is UTIB0003486. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Final notes
To recap: UTIB0003486 is the IFSC code of Axis Bank, BADAPODAGUDA branch, in KALAHANDI, ODISHA. 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.
