If you are searching for the IFSC code of Axis Bank, KHED RATNAGIRI branch in KHED, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is UTIB0005779. 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 KHED RATNAGIRI branch, and detailed step-by-step guides for using the IFSC UTIB0005779 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.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Axis Bank's KHED RATNAGIRI branch, the IFSC UTIB0005779 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 005779 identifies this particular branch.
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Khed Ratnagiri branch — IFSC UTIB0005779 — extends the bank's services to customers in and around Khed, Maharashtra.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Khed Ratnagiri |
| IFSC Code | UTIB0005779 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR,SHOP NO 2 ,THE BUTALA AVENUE,BHARNE ROAD ,VILLAGE KHED,DIST RATNAGIRI |
| City | Khed |
| District | Ratnagiri |
| State | Maharashtra |
| STD Code | 2352 |
| Phone | 9028556267 |
About the Khed Ratnagiri branch
The Khed Ratnagiri branch of Axis Bank is situated at GROUND FLOOR,SHOP NO 2 ,THE BUTALA AVENUE,BHARNE ROAD ,VILLAGE KHED,DIST RATNAGIRI. 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 UTIB0005779 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 KHED RATNAGIRI of Axis Bank — its own 11-character IFSC. The code UTIB0005779 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 UTIB0005779 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 Khed Ratnagiri branch is mapped to IFSC UTIB0005779 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 UTIB0005779.
Banking services available
The Khed Ratnagiri branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2352-9028556267.
- 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 UTIB0005779
How to transfer money using IFSC UTIB0005779
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 UTIB0005779 across all three.
How to use IFSC UTIB0005779 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's KHED RATNAGIRI 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 UTIB0005779.
- Confirm the bank name auto-populates as Axis Bank and the branch as KHED RATNAGIRI.
- 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 KHED RATNAGIRI
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's KHED RATNAGIRI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0005779 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank KHED RATNAGIRI (IFSC UTIB0005779)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0005779 in your mobile or internet banking app, and the money is credited to the KHED RATNAGIRI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0005779 for Axis Bank – KHED RATNAGIRI, 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 – UTIB0005779 | Yes – UTIB0005779 | Yes – UTIB0005779 |
For most retail customers crediting the Khed Ratnagiri 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 KHED RATNAGIRI branch, the IFSC UTIB0005779 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.
Online banking and IFSC UTIB0005779
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the KHED RATNAGIRI 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 UTIB0005779 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 Khed Ratnagiri branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0005779 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 UTIB0005779
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 – KHED RATNAGIRI, 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:
UTIB0005779. - 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 Khed Ratnagiri branch sits at GROUND FLOOR,SHOP NO 2 ,THE BUTALA AVENUE,BHARNE ROAD ,VILLAGE KHED,DIST RATNAGIRI. If you are travelling from outside Khed, search for the branch on a maps application using the bank name and locality, or call 2352-9028556267 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 UTIB0005779 and your account number.
Verifying IFSC UTIB0005779 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 UTIB0005779 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2352-9028556267.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Khed Ratnagiri 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 UTIB0005779 continue to work without interruption.
Branch address & contact
Axis BankKhed Ratnagiri Branch
GROUND FLOOR,SHOP NO 2 ,THE BUTALA AVENUE,BHARNE ROAD ,VILLAGE KHED,DIST RATNAGIRI
Khed, Maharashtra
Phone: 2352-9028556267
IFSC: UTIB0005779
Frequently asked questions
What is the phone number of Axis Bank Khed Ratnagiri branch?
You can reach the branch at 2352-9028556267 during regular banking hours.
How quickly will an NEFT transfer using UTIB0005779 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Khed Ratnagiri reflect within 30 minutes.
Where is Axis Bank Khed Ratnagiri branch located?
Axis Bank's Khed Ratnagiri branch is located at GROUND FLOOR,SHOP NO 2 ,THE BUTALA AVENUE,BHARNE ROAD ,VILLAGE KHED,DIST RATNAGIRI, Khed, Maharashtra.
Can I use IFSC UTIB0005779 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0005779 to send funds instantly.
Is IFSC UTIB0005779 the same for all accounts at Khed Ratnagiri branch?
Yes. The IFSC UTIB0005779 is shared by every account held at Axis Bank's Khed Ratnagiri 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 Khed Ratnagiri branch but serve different purposes.
Final notes
To recap: UTIB0005779 is the IFSC code of Axis Bank, KHED RATNAGIRI branch, in KHED, MAHARASHTRA. 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.
