Below are the complete branch details for Axis Bank, KOTESHWARA branch, located in KOTESHWARA, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0005879. 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 UTIB0005879 for Axis Bank – KOTESHWARA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – KOTESHWARA is UTIB0005879. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 005879 map to this branch in KOTESHWARA, KARNATAKA.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Koteshwara |
| IFSC Code | UTIB0005879 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SY NO 312 313, HALADY ROAD, KOTESHWARA, UDUPI DIST KARNATAKA 576222 |
| City | Koteshwara |
| District | Udupi |
| State | Karnataka |
| STD Code | 8254 |
| Phone | 7760473647 |
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Koteshwara branch in Koteshwara. 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, UTIB0005879.
Koteshwara branch overview
Located at SY NO 312 313, HALADY ROAD, KOTESHWARA, UDUPI DIST KARNATAKA 576222, the Koteshwara branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0005879 is required for all interbank electronic transfers routed through this branch.
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 KOTESHWARA branch came to be assigned the code UTIB0005879.
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 UTIB0005879, money simply cannot be routed to the KOTESHWARA branch electronically.
How to transfer money using IFSC UTIB0005879
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 UTIB0005879 across all three.
NEFT to Axis Bank, KOTESHWARA using IFSC UTIB0005879
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 UTIB0005879, and confirm that the system picks up Axis Bank – KOTESHWARA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KOTESHWARA
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's KOTESHWARA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0005879 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank KOTESHWARA (IFSC UTIB0005879)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0005879 in your mobile or internet banking app, and the money is credited to the KOTESHWARA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Koteshwara
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 UTIB0005879:
- 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 KOTESHWARA is still linked to IFSC UTIB0005879.
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.
UPI payments and IFSC UTIB0005879
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 – KOTESHWARA is still mapped to IFSC UTIB0005879. 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 UTIB0005879 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Koteshwara branch is mapped to IFSC UTIB0005879 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 UTIB0005879.
Banking services available
The Koteshwara branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8254-7760473647.
- 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 UTIB0005879
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 UTIB0005879 and the account number together uniquely identify the Koteshwara 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 Koteshwara 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 UTIB0005879 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 – KOTESHWARA:
- The IFSC is exactly UTIB0005879 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 KOTESHWARA 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 Koteshwara branch sits at SY NO 312 313, HALADY ROAD, KOTESHWARA, UDUPI DIST KARNATAKA 576222. If you are travelling from outside Koteshwara, search for the branch on a maps application using the bank name and locality, or call 8254-7760473647 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 UTIB0005879 and your account number.
Verifying IFSC UTIB0005879 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 UTIB0005879 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8254-7760473647.
- 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 Koteshwara branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0005879, however, work 24x7.
Branch address & contact
Axis BankKoteshwara Branch
SY NO 312 313, HALADY ROAD, KOTESHWARA, UDUPI DIST KARNATAKA 576222
Koteshwara, Karnataka
Phone: 8254-7760473647
IFSC: UTIB0005879
Frequently asked questions
Is IFSC UTIB0005879 the same for all accounts at Koteshwara branch?
Yes. The IFSC UTIB0005879 is shared by every account held at Axis Bank's Koteshwara branch. Only the account number changes from customer to customer.
Can I use IFSC UTIB0005879 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0005879 to send funds instantly.
How do I add Axis Bank Koteshwara as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0005879, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Axis Bank Koteshwara branch?
The IFSC code of Axis Bank, Koteshwara branch is UTIB0005879. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using UTIB0005879 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Koteshwara reflect within 30 minutes.
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 Koteshwara branch but serve different purposes.
Is IFSC UTIB0005879 valid for NEFT and RTGS?
Yes. IFSC UTIB0005879 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code UTIB0005879 belongs to Axis Bank's KOTESHWARA branch, located at SY NO 312 313, HALADY ROAD, KOTESHWARA, UDUPI DIST KARNATAKA 576222 in KOTESHWARA, KARNATAKA. 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.
