Use this page as a one-stop reference for everything related to Axis Bank's NADAPURAM branch in KOZHIKODE, KERALA. The branch's IFSC code UTIB0004078 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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 NADAPURAM branch, the IFSC UTIB0004078 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 004078 identifies this particular branch.
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Nadapuram branch — IFSC UTIB0004078 — extends the bank's services to customers in and around Kozhikode, Kerala.
About this branch
The branch is located at 11 40 SNEHA AIMEL SHOPPING COMPLEX KAKATTIL ROAD KALLACHI NADAPURAM VADAKARA KOZHIKODE 673506. It serves the Kozhikode 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 UTIB0004078 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Nadapuram |
| IFSC Code | UTIB0004078 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 11 40 SNEHA AIMEL SHOPPING COMPLEX KAKATTIL ROAD KALLACHI NADAPURAM VADAKARA KOZHIKODE 673506 |
| City | Kozhikode |
| District | Kozhikode |
| State | Kerala |
| STD Code | 91 |
| Phone | 91 |
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 NADAPURAM of Axis Bank — its own 11-character IFSC. The code UTIB0004078 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 UTIB0004078 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Nadapuram branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0004078 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC UTIB0004078
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 UTIB0004078 across all three.
NEFT to Axis Bank, NADAPURAM using IFSC UTIB0004078
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 UTIB0004078, and confirm that the system picks up Axis Bank – NADAPURAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to NADAPURAM
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's NADAPURAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0004078 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank NADAPURAM (IFSC UTIB0004078)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0004078 in your mobile or internet banking app, and the money is credited to the NADAPURAM branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0004078 for Axis Bank – NADAPURAM, 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 – UTIB0004078 | Yes – UTIB0004078 | Yes – UTIB0004078 |
For most retail customers crediting the Nadapuram 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 NADAPURAM branch, the IFSC UTIB0004078 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.
Products and account variants supported
Every account opened at the Nadapuram branch is mapped to IFSC UTIB0004078 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 UTIB0004078.
Products and services
Customers walking into the Nadapuram branch can access most of Axis Bank's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC UTIB0004078
Digital banking channels
Most day-to-day work that customers used to do at the Nadapuram 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 UTIB0004078 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.
Reaching the branch
The Nadapuram branch sits at 11 40 SNEHA AIMEL SHOPPING COMPLEX KAKATTIL ROAD KALLACHI NADAPURAM VADAKARA KOZHIKODE 673506. If you are travelling from outside Kozhikode, search for the branch on a maps application using the bank name and locality, or call 91-91 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 UTIB0004078 and your account number.
Common mistakes to avoid when using IFSC UTIB0004078
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 – NADAPURAM, 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:
UTIB0004078. - 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.
Working hours
Branch counters at Nadapuram 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 UTIB0004078 continue to work without interruption.
Verifying IFSC UTIB0004078 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 UTIB0004078 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-91.
- Visiting the bank's official branch locator page.
Branch address & contact
Axis BankNadapuram Branch
11 40 SNEHA AIMEL SHOPPING COMPLEX KAKATTIL ROAD KALLACHI NADAPURAM VADAKARA KOZHIKODE 673506
Kozhikode, Kerala
Phone: 91-91
IFSC: UTIB0004078
Frequently asked questions
Can I use IFSC UTIB0004078 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0004078 to send funds instantly.
What is the IFSC code of Axis Bank Nadapuram branch?
The IFSC code of Axis Bank, Nadapuram branch is UTIB0004078. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Axis Bank Nadapuram branch located?
Axis Bank's Nadapuram branch is located at 11 40 SNEHA AIMEL SHOPPING COMPLEX KAKATTIL ROAD KALLACHI NADAPURAM VADAKARA KOZHIKODE 673506, Kozhikode, Kerala.
How do I add Axis Bank Nadapuram as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0004078, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UTIB0004078 the same for all accounts at Nadapuram branch?
Yes. The IFSC UTIB0004078 is shared by every account held at Axis Bank's Nadapuram branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using UTIB0004078 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Nadapuram 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 Nadapuram branch but serve different purposes.
Summary
The IFSC code UTIB0004078 belongs to Axis Bank's NADAPURAM branch, located at 11 40 SNEHA AIMEL SHOPPING COMPLEX KAKATTIL ROAD KALLACHI NADAPURAM VADAKARA… in KOZHIKODE, KERALA. 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.
