Use this page as a one-stop reference for everything related to Axis Bank's KURAVILANGAD branch in KURAVILANGAD, KERALA. The branch's IFSC code UTIB0004027 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.
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, UTIB0004027 is the IFSC of Axis Bank's KURAVILANGAD branch. The format is fixed: UTIB = bank code, 0 = reserved, 004027 = branch identifier.
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Kuravilangad branch in Kuravilangad. 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, UTIB0004027.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Kuravilangad |
| IFSC Code | UTIB0004027 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NIDHIRY BAZAR CENTRAL JUNCTION M C ROAD KURAVILANGAD 686633 |
| City | Kuravilangad |
| District | Kottayam |
| State | Kerala |
| STD Code | 4822 |
| Phone | 230088 |
Kuravilangad branch overview
Located at NIDHIRY BAZAR CENTRAL JUNCTION M C ROAD KURAVILANGAD 686633, the Kuravilangad branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0004027 is required for all interbank electronic transfers routed through this branch.
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 KURAVILANGAD of Axis Bank — its own 11-character IFSC. The code UTIB0004027 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 UTIB0004027 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Kuravilangad branch
Once you have an account at Axis Bank – KURAVILANGAD, the IFSC UTIB0004027 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Kuravilangad branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4822-230088.
- 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 UTIB0004027
How to transfer money using IFSC UTIB0004027
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 UTIB0004027 across all three.
How to use IFSC UTIB0004027 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's KURAVILANGAD 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC UTIB0004027.
- Confirm the bank name auto-populates as Axis Bank and the branch as KURAVILANGAD.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UTIB0004027
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 – KURAVILANGAD, ensure your bank's portal accepts IFSC UTIB0004027 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Axis Bank KURAVILANGAD (IFSC UTIB0004027)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0004027 in your mobile or internet banking app, and the money is credited to the KURAVILANGAD branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0004027 for Axis Bank – KURAVILANGAD, 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 – UTIB0004027 | Yes – UTIB0004027 | Yes – UTIB0004027 |
For most retail customers crediting the Kuravilangad 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 KURAVILANGAD branch, the IFSC UTIB0004027 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.
Digital banking channels
Most day-to-day work that customers used to do at the Kuravilangad 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 UTIB0004027 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 UTIB0004027 and the account number together uniquely identify the Kuravilangad 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 UTIB0004027
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 – KURAVILANGAD, 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:
UTIB0004027. - 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 Kuravilangad branch
The branch is located at NIDHIRY BAZAR CENTRAL JUNCTION M C ROAD KURAVILANGAD 686633, which puts it inside Kuravilangad, the broader Kottayam district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Kuravilangad branch” — the verified location pin for IFSC UTIB0004027 should appear at the top of the results.
- Confirm the branch is open by calling 4822-230088 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 UTIB0004027 and your account number.
Verifying IFSC UTIB0004027 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 UTIB0004027 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 4822-230088.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Kuravilangad 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 UTIB0004027 continue to work without interruption.
Branch address & contact
Axis BankKuravilangad Branch
NIDHIRY BAZAR CENTRAL JUNCTION M C ROAD KURAVILANGAD 686633
Kuravilangad, Kerala
Phone: 4822-230088
IFSC: UTIB0004027
Frequently asked questions
What is the phone number of Axis Bank Kuravilangad branch?
You can reach the branch at 4822-230088 during regular banking hours.
How do I add Axis Bank Kuravilangad as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0004027, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UTIB0004027 the same for all accounts at Kuravilangad branch?
Yes. The IFSC UTIB0004027 is shared by every account held at Axis Bank's Kuravilangad branch. Only the account number changes from customer to customer.
Where is Axis Bank Kuravilangad branch located?
Axis Bank's Kuravilangad branch is located at NIDHIRY BAZAR CENTRAL JUNCTION M C ROAD KURAVILANGAD 686633, Kuravilangad, Kerala.
Is IFSC UTIB0004027 valid for NEFT and RTGS?
Yes. IFSC UTIB0004027 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Axis Bank Kuravilangad branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 4822-230088 to confirm.
Final notes
To recap: UTIB0004027 is the IFSC code of Axis Bank, KURAVILANGAD branch, in KURAVILANGAD, 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.
