IFSC Code of Axis Bank, Gandhigramam Karur Branch, Tamil Nadu

Use this page as a one-stop reference for everything related to Axis Bank's GANDHIGRAMAM KARUR branch in KARUR, TAMIL NADU. The branch's IFSC code UTIB0006356 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 – GANDHIGRAMAM KARUR is UTIB0006356. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 006356 map to this branch in KARUR, TAMIL NADU.

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Gandhigramam Karur branch — IFSC UTIB0006356 — extends the bank's services to customers in and around Karur, Tamil Nadu.

Gandhigramam Karur branch overview

Located at SITE NO 28, OPP KVB, TRICHY MAIN ROAD, GANDHIGRAMAM, KARUR, the Gandhigramam Karur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0006356 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 GANDHIGRAMAM KARUR branch came to be assigned the code UTIB0006356.

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 UTIB0006356, money simply cannot be routed to the GANDHIGRAMAM KARUR 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 UTIB0006356 and the account number together uniquely identify the Gandhigramam Karur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC UTIB0006356

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 UTIB0006356 across all three.

NEFT to Axis Bank, GANDHIGRAMAM KARUR using IFSC UTIB0006356

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 UTIB0006356, and confirm that the system picks up Axis Bank – GANDHIGRAMAM KARUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GANDHIGRAMAM KARUR

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's GANDHIGRAMAM KARUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0006356 while initiating the transfer and the credit will appear within minutes.

IMPS to Axis Bank GANDHIGRAMAM KARUR (IFSC UTIB0006356)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0006356 in your mobile or internet banking app, and the money is credited to the GANDHIGRAMAM KARUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Gandhigramam Karur

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 UTIB0006356:

• 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 GANDHIGRAMAM KARUR is still linked to IFSC UTIB0006356.

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 GANDHIGRAMAM KARUR branch, the IFSC UTIB0006356 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 Gandhigramam Karur branch is mapped to IFSC UTIB0006356 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 UTIB0006356.

Products and services

Customers walking into the Gandhigramam Karur 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 UTIB0006356

Online banking and IFSC UTIB0006356

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the GANDHIGRAMAM KARUR 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 UTIB0006356 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.

How to reach the Gandhigramam Karur branch

The branch is located at SITE NO 28, OPP KVB, TRICHY MAIN ROAD, GANDHIGRAMAM, KARUR, which puts it inside Karur, the broader Karur district, and the state of Tamil Nadu. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Gandhigramam Karur branch” — the verified location pin for IFSC UTIB0006356 should appear at the top of the results.
2. Confirm the branch is open by calling 4324-8098601232 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 UTIB0006356 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 – GANDHIGRAMAM KARUR:

• The IFSC is exactly UTIB0006356 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 GANDHIGRAMAM KARUR 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 Gandhigramam Karur 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 UTIB0006356 continue to work without interruption.

Verifying IFSC UTIB0006356 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 UTIB0006356 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 4324-8098601232.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0006356 is the IFSC code of Axis Bank, GANDHIGRAMAM KARUR branch, in KARUR, TAMIL NADU. 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.