If you are searching for the IFSC code of Axis Bank, KAYAMKULAM branch in KAYAMKULAM, KERALA, this page has every detail you need. The verified IFSC code for this branch is UTIB0002990. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the KAYAMKULAM branch, and detailed step-by-step guides for using the IFSC UTIB0002990 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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, UTIB0002990 is the IFSC of Axis Bank's KAYAMKULAM branch. The format is fixed: UTIB = bank code, 0 = reserved, 002990 = branch identifier.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Kayamkulam |
| IFSC Code | UTIB0002990 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ASHWATI BUILDING NO32771D KMC32771D NH47 KAYAMKULAM ALAPPUZHA 690 502 |
| City | Kayamkulam |
| District | Alapuzha |
| State | Kerala |
| STD Code | 91 |
| Phone | 8086007052 |
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kayamkulam branch in Kayamkulam, Kerala is part of this network and uses the IFSC code UTIB0002990 for all electronic settlement.
About the Kayamkulam branch
The Kayamkulam branch of Axis Bank is situated at ASHWATI BUILDING NO32771D KMC32771D NH47 KAYAMKULAM ALAPPUZHA 690 502. 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 UTIB0002990 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 KAYAMKULAM of Axis Bank — its own 11-character IFSC. The code UTIB0002990 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 UTIB0002990 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 UTIB0002990
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 UTIB0002990 across all three.
NEFT to Axis Bank, KAYAMKULAM using IFSC UTIB0002990
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 UTIB0002990, and confirm that the system picks up Axis Bank – KAYAMKULAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0002990
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 – KAYAMKULAM, ensure your bank's portal accepts IFSC UTIB0002990 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – KAYAMKULAM, use IMPS. With IFSC UTIB0002990 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 UTIB0002990 for Axis Bank – KAYAMKULAM, 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 – UTIB0002990 | Yes – UTIB0002990 | Yes – UTIB0002990 |
For most retail customers crediting the Kayamkulam 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 UTIB0002990
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 – KAYAMKULAM is still mapped to IFSC UTIB0002990. 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 UTIB0002990 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Kayamkulam branch is mapped to IFSC UTIB0002990 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 UTIB0002990.
Banking services available
The Kayamkulam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8086007052.
- 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 UTIB0002990
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 UTIB0002990 and the account number together uniquely identify the Kayamkulam 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 Kayamkulam 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 UTIB0002990 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 – KAYAMKULAM:
- The IFSC is exactly UTIB0002990 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 KAYAMKULAM 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.
Reaching the branch
The Kayamkulam branch sits at ASHWATI BUILDING NO32771D KMC32771D NH47 KAYAMKULAM ALAPPUZHA 690 502. If you are travelling from outside Kayamkulam, search for the branch on a maps application using the bank name and locality, or call 91-8086007052 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 UTIB0002990 and your account number.
Verifying IFSC UTIB0002990 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 UTIB0002990 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-8086007052.
- Visiting the bank's official branch locator page.
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 Kayamkulam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0002990, however, work 24x7.
Branch address & contact
Axis BankKayamkulam Branch
ASHWATI BUILDING NO32771D KMC32771D NH47 KAYAMKULAM ALAPPUZHA 690 502
Kayamkulam, Kerala
Phone: 91-8086007052
IFSC: UTIB0002990
Frequently asked questions
Can I use IFSC UTIB0002990 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0002990 to send funds instantly.
How do I add Axis Bank Kayamkulam as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0002990, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Axis Bank Kayamkulam branch?
You can reach the branch at 91-8086007052 during regular banking hours.
Is IFSC UTIB0002990 the same for all accounts at Kayamkulam branch?
Yes. The IFSC UTIB0002990 is shared by every account held at Axis Bank's Kayamkulam branch. Only the account number changes from customer to customer.
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 Kayamkulam branch but serve different purposes.
How quickly will an NEFT transfer using UTIB0002990 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Kayamkulam reflect within 30 minutes.
Final notes
To recap: UTIB0002990 is the IFSC code of Axis Bank, KAYAMKULAM branch, in KAYAMKULAM, KERALA. 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.
