Below are the complete branch details for Axis Bank, KHOWAI branch, located in KHOWAI, TRIPURA. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0003639. 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 UTIB0003639 for Axis Bank – KHOWAI — 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, UTIB0003639 is the IFSC of Axis Bank's KHOWAI branch. The format is fixed: UTIB = bank code, 0 = reserved, 003639 = branch identifier.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Khowai |
| IFSC Code | UTIB0003639 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GR FLR FIRST FLOOR, P NO. 289 13, KHOWAI, PO KHOWAI, OPPOSITE OF UBI BANK, KHOWAI BRANCH, PINCODE 799201, DIST KHOWAI, TRIPURA |
| City | Khowai |
| District | Khowai |
| State | Tripura |
| STD Code | 3825 |
| Phone | 222241 |
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Khowai branch in Khowai. 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, UTIB0003639.
About this branch
The branch is located at GR FLR FIRST FLOOR, P NO. 289 13, KHOWAI, PO KHOWAI, OPPOSITE OF UBI BANK, KHOWAI BRANCH, PINCODE 799201, DIST KHOWAI, TRIPURA. It serves the Khowai 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 UTIB0003639 is used to identify this branch on the RBI payments network.
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 KHOWAI branch came to be assigned the code UTIB0003639.
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 UTIB0003639, money simply cannot be routed to the KHOWAI branch electronically.
How to transfer money using IFSC UTIB0003639
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 UTIB0003639 across all three.
NEFT to Axis Bank, KHOWAI using IFSC UTIB0003639
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 UTIB0003639, and confirm that the system picks up Axis Bank – KHOWAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KHOWAI
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's KHOWAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0003639 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 – KHOWAI, use IMPS. With IFSC UTIB0003639 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 UTIB0003639 for Axis Bank – KHOWAI, 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 – UTIB0003639 | Yes – UTIB0003639 | Yes – UTIB0003639 |
For most retail customers crediting the Khowai 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 UTIB0003639
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 – KHOWAI is still mapped to IFSC UTIB0003639. 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 UTIB0003639 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Khowai branch is mapped to IFSC UTIB0003639 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 UTIB0003639.
Banking services available
The Khowai branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 3825-222241.
- 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 UTIB0003639
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 UTIB0003639 and the account number together uniquely identify the Khowai branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC UTIB0003639
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the KHOWAI 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 UTIB0003639 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.
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 – KHOWAI:
- The IFSC is exactly UTIB0003639 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 KHOWAI 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 Khowai branch sits at GR FLR FIRST FLOOR, P NO. 289 13, KHOWAI, PO KHOWAI, OPPOSITE OF UBI BANK, KHOWAI BRANCH, PINCODE 799201, DIST KHOWAI, TRIPURA. If you are travelling from outside Khowai, search for the branch on a maps application using the bank name and locality, or call 3825-222241 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 UTIB0003639 and your account number.
Verifying IFSC UTIB0003639 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 UTIB0003639 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 3825-222241.
- 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 Khowai branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0003639, however, work 24x7.
Branch address & contact
Axis BankKhowai Branch
GR FLR FIRST FLOOR, P NO. 289 13, KHOWAI, PO KHOWAI, OPPOSITE OF UBI BANK, KHOWAI BRANCH, PINCODE 799201, DIST KHOWAI, TRIPURA
Khowai, Tripura
Phone: 3825-222241
IFSC: UTIB0003639
Frequently asked questions
Can I use IFSC UTIB0003639 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0003639 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 Khowai branch but serve different purposes.
How quickly will an NEFT transfer using UTIB0003639 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Khowai reflect within 30 minutes.
Where is Axis Bank Khowai branch located?
Axis Bank's Khowai branch is located at GR FLR FIRST FLOOR, P NO. 289 13, KHOWAI, PO KHOWAI, OPPOSITE OF UBI BANK, KHOWAI BRANCH, PINCODE 799201, DIST KHOWAI, TRIPURA, Khowai, Tripura.
Is IFSC UTIB0003639 the same for all accounts at Khowai branch?
Yes. The IFSC UTIB0003639 is shared by every account held at Axis Bank's Khowai branch. Only the account number changes from customer to customer.
How do I add Axis Bank Khowai as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0003639, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code UTIB0003639 belongs to Axis Bank's KHOWAI branch, located at GR FLR FIRST FLOOR, P NO. 289 13, KHOWAI, PO KHOWAI, OPPOSITE OF UBI BANK,… in KHOWAI, TRIPURA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
