This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, KUTTIYADI branch in KUTTIYADI. The 11-digit IFSC UTIB0006523 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 KUTTIYADI 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.
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, UTIB0006523 is the IFSC of Axis Bank's KUTTIYADI branch. The format is fixed: UTIB = bank code, 0 = reserved, 006523 = branch identifier.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Kuttiyadi |
| IFSC Code | UTIB0006523 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, 30 B, WARD 14, HAVEN TOWER,MARUTHONKARA ROAD, KUTTIYADI, CALICUT, KERALA 673508 |
| City | Kuttiyadi |
| District | Kozhikode |
| State | Kerala |
| STD Code | 496 |
| Phone | 9605424408 |
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kuttiyadi branch in Kuttiyadi, Kerala is part of this network and uses the IFSC code UTIB0006523 for all electronic settlement.
About the Kuttiyadi branch
The Kuttiyadi branch of Axis Bank is situated at GROUND FLOOR, 30 B, WARD 14, HAVEN TOWER,MARUTHONKARA ROAD, KUTTIYADI, CALICUT, KERALA 673508. 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 UTIB0006523 is used.
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 KUTTIYADI of Axis Bank — its own 11-character IFSC. The code UTIB0006523 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 UTIB0006523 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 UTIB0006523
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 UTIB0006523 across all three.
NEFT to Axis Bank, KUTTIYADI using IFSC UTIB0006523
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 UTIB0006523, and confirm that the system picks up Axis Bank – KUTTIYADI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KUTTIYADI
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's KUTTIYADI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0006523 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank KUTTIYADI (IFSC UTIB0006523)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0006523 in your mobile or internet banking app, and the money is credited to the KUTTIYADI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0006523 for Axis Bank – KUTTIYADI, 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 – UTIB0006523 | Yes – UTIB0006523 | Yes – UTIB0006523 |
For most retail customers crediting the Kuttiyadi 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 UTIB0006523
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 – KUTTIYADI is still mapped to IFSC UTIB0006523. 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 UTIB0006523 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Kuttiyadi branch is mapped to IFSC UTIB0006523 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 UTIB0006523.
Banking services available
The Kuttiyadi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 496-9605424408.
- 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 UTIB0006523
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 UTIB0006523 and the account number together uniquely identify the Kuttiyadi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC UTIB0006523
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the KUTTIYADI 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 UTIB0006523 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.
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 – KUTTIYADI:
- The IFSC is exactly UTIB0006523 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 KUTTIYADI 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.
How to reach the Kuttiyadi branch
The branch is located at GROUND FLOOR, 30 B, WARD 14, HAVEN TOWER,MARUTHONKARA ROAD, KUTTIYADI, CALICUT, KERALA 673508, which puts it inside Kuttiyadi, the broader Kozhikode district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Kuttiyadi branch” — the verified location pin for IFSC UTIB0006523 should appear at the top of the results.
- Confirm the branch is open by calling 496-9605424408 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 UTIB0006523 and your account number.
Verifying IFSC UTIB0006523 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 UTIB0006523 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 496-9605424408.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Kuttiyadi 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 UTIB0006523 continue to work without interruption.
Branch address & contact
Axis BankKuttiyadi Branch
GROUND FLOOR, 30 B, WARD 14, HAVEN TOWER,MARUTHONKARA ROAD, KUTTIYADI, CALICUT, KERALA 673508
Kuttiyadi, Kerala
Phone: 496-9605424408
IFSC: UTIB0006523
Frequently asked questions
Can I use IFSC UTIB0006523 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0006523 to send funds instantly.
What is the IFSC code of Axis Bank Kuttiyadi branch?
The IFSC code of Axis Bank, Kuttiyadi branch is UTIB0006523. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UTIB0006523 the same for all accounts at Kuttiyadi branch?
Yes. The IFSC UTIB0006523 is shared by every account held at Axis Bank's Kuttiyadi branch. Only the account number changes from customer to customer.
Is IFSC UTIB0006523 valid for NEFT and RTGS?
Yes. IFSC UTIB0006523 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using UTIB0006523 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Kuttiyadi 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 Kuttiyadi branch but serve different purposes.
Where is Axis Bank Kuttiyadi branch located?
Axis Bank's Kuttiyadi branch is located at GROUND FLOOR, 30 B, WARD 14, HAVEN TOWER,MARUTHONKARA ROAD, KUTTIYADI, CALICUT, KERALA 673508, Kuttiyadi, Kerala.
What is the phone number of Axis Bank Kuttiyadi branch?
You can reach the branch at 496-9605424408 during regular banking hours.
Final notes
To recap: UTIB0006523 is the IFSC code of Axis Bank, KUTTIYADI branch, in KUTTIYADI, 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.
