This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, THEVARA branch in KOCHI. The 11-digit IFSC UTIB0002991 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Axis Bank at the THEVARA location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 THEVARA branch, the IFSC UTIB0002991 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 002991 identifies this particular branch.
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Thevara branch — IFSC UTIB0002991 — extends the bank's services to customers in and around Kochi, Kerala.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Thevara |
| IFSC Code | UTIB0002991 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SURVEY NO10832 10092 PANDIT KARUPPAN RD THEVARA KOCHI PIN 628013 |
| City | Kochi |
| District | Kochi |
| State | Kerala |
| STD Code | 91 |
| Phone | 9447806000 |
About the Thevara branch
The Thevara branch of Axis Bank is situated at SURVEY NO10832 10092 PANDIT KARUPPAN RD THEVARA KOCHI PIN 628013. 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 UTIB0002991 is used.
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 THEVARA branch came to be assigned the code UTIB0002991.
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 UTIB0002991, money simply cannot be routed to the THEVARA branch electronically.
Products and account variants supported
Every account opened at the Thevara branch is mapped to IFSC UTIB0002991 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 UTIB0002991.
Banking services available
The Thevara branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9447806000.
- 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 UTIB0002991
How to transfer money using IFSC UTIB0002991
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 UTIB0002991 across all three.
NEFT to Axis Bank, THEVARA using IFSC UTIB0002991
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 UTIB0002991, and confirm that the system picks up Axis Bank – THEVARA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0002991
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 – THEVARA, ensure your bank's portal accepts IFSC UTIB0002991 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Axis Bank THEVARA (IFSC UTIB0002991)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0002991 in your mobile or internet banking app, and the money is credited to the THEVARA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0002991 for Axis Bank – THEVARA, 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 – UTIB0002991 | Yes – UTIB0002991 | Yes – UTIB0002991 |
For most retail customers crediting the Thevara 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 UTIB0002991
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 – THEVARA is still mapped to IFSC UTIB0002991. 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 UTIB0002991 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Thevara 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 UTIB0002991 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.
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 UTIB0002991 and the account number together uniquely identify the Thevara branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC UTIB0002991
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 – THEVARA, 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:
UTIB0002991. - 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.
How to reach the Thevara branch
The branch is located at SURVEY NO10832 10092 PANDIT KARUPPAN RD THEVARA KOCHI PIN 628013, which puts it inside Kochi, the broader Kochi district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Thevara branch” — the verified location pin for IFSC UTIB0002991 should appear at the top of the results.
- Confirm the branch is open by calling 91-9447806000 before stepping out, especially around public holidays.
- 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 UTIB0002991 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0002991 for Axis Bank – THEVARA, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
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 Thevara branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0002991, however, work 24x7.
Branch address & contact
Axis BankThevara Branch
SURVEY NO10832 10092 PANDIT KARUPPAN RD THEVARA KOCHI PIN 628013
Kochi, Kerala
Phone: 91-9447806000
IFSC: UTIB0002991
Frequently asked questions
How quickly will an NEFT transfer using UTIB0002991 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Thevara reflect within 30 minutes.
What is the phone number of Axis Bank Thevara branch?
You can reach the branch at 91-9447806000 during regular banking hours.
What is the IFSC code of Axis Bank Thevara branch?
The IFSC code of Axis Bank, Thevara branch is UTIB0002991. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UTIB0002991 valid for NEFT and RTGS?
Yes. IFSC UTIB0002991 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Thevara branch but serve different purposes.
How do I add Axis Bank Thevara as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0002991, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Axis Bank Thevara branch located?
Axis Bank's Thevara branch is located at SURVEY NO10832 10092 PANDIT KARUPPAN RD THEVARA KOCHI PIN 628013, Kochi, Kerala.
Is IFSC UTIB0002991 the same for all accounts at Thevara branch?
Yes. The IFSC UTIB0002991 is shared by every account held at Axis Bank's Thevara branch. Only the account number changes from customer to customer.
Final notes
To recap: UTIB0002991 is the IFSC code of Axis Bank, THEVARA branch, in KOCHI, 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.
