IFSC Code of Axis Bank, Umamaheshwarapuram Branch, Tamil Nadu

This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, UMAMAHESHWARAPURAM branch in KUMBAKONAM. The 11-digit IFSC UTIB0003724 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 UMAMAHESHWARAPURAM 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.

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 – UMAMAHESHWARAPURAM is UTIB0003724. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003724 map to this branch in KUMBAKONAM, TAMIL NADU.

Branch details at a glance

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Umamaheshwarapuram branch — IFSC UTIB0003724 — extends the bank's services to customers in and around Kumbakonam, Tamil Nadu.

About this branch

The branch is located at NO.2, GHANDI NAGAR KARIKULAM,KUMBAKONAM MAIN ROAD, UMAMAHESHWARAPURAM. It serves the Kumbakonam 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 UTIB0003724 is used to identify this branch on the RBI payments network.

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 UMAMAHESHWARAPURAM of Axis Bank — its own 11-character IFSC. The code UTIB0003724 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 UTIB0003724 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC UTIB0003724

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 UTIB0003724 across all three.

How to use IFSC UTIB0003724 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's UMAMAHESHWARAPURAM 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UTIB0003724.
4. Confirm the bank name auto-populates as Axis Bank and the branch as UMAMAHESHWARAPURAM.
5. 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 UMAMAHESHWARAPURAM

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's UMAMAHESHWARAPURAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0003724 while initiating the transfer and the credit will appear within minutes.

IMPS to Axis Bank UMAMAHESHWARAPURAM (IFSC UTIB0003724)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0003724 in your mobile or internet banking app, and the money is credited to the UMAMAHESHWARAPURAM branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Umamaheshwarapuram

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 UTIB0003724:

• 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 UMAMAHESHWARAPURAM is still linked to IFSC UTIB0003724.

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.

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 UMAMAHESHWARAPURAM branch, the IFSC UTIB0003724 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 Umamaheshwarapuram branch is mapped to IFSC UTIB0003724 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 UTIB0003724.

Banking services available

The Umamaheshwarapuram branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 435-2412128.

• 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 UTIB0003724

MICR & cheque-truncation details

Cheques drawn on the Umamaheshwarapuram branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0003724 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC UTIB0003724

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the UMAMAHESHWARAPURAM 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 UTIB0003724 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.

Common mistakes to avoid when using IFSC UTIB0003724

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 – UMAMAHESHWARAPURAM, 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: UTIB0003724.
• 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 Umamaheshwarapuram branch

The branch is located at NO.2, GHANDI NAGAR KARIKULAM,KUMBAKONAM MAIN ROAD, UMAMAHESHWARAPURAM, which puts it inside Kumbakonam, the broader 612 103 district, and the state of Tamil Nadu. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Umamaheshwarapuram branch” — the verified location pin for IFSC UTIB0003724 should appear at the top of the results.
2. Confirm the branch is open by calling 435-2412128 before stepping out, especially around public holidays.
3. 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 UTIB0003724 and your account number.

Verifying IFSC UTIB0003724 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 UTIB0003724 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 435-2412128.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Umamaheshwarapuram 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 UTIB0003724 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0003724 belongs to Axis Bank's UMAMAHESHWARAPURAM branch, located at NO.2, GHANDI NAGAR KARIKULAM,KUMBAKONAM MAIN ROAD, UMAMAHESHWARAPURAM in KUMBAKONAM, TAMIL NADU. 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.