IFSC Code of Axis Bank, Muniguda Branch, Odisha

Use this page as a one-stop reference for everything related to Axis Bank's MUNIGUDA branch in MUNIGUDA, ODISHA. The branch's IFSC code UTIB0004638 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.

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 – MUNIGUDA is UTIB0004638. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004638 map to this branch in MUNIGUDA, ODISHA.

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Muniguda branch — IFSC UTIB0004638 — extends the bank's services to customers in and around Muniguda, Odisha.

Branch details at a glance

About the Muniguda branch

The Muniguda branch of Axis Bank is situated at UPPER GR FLOOR, OPP GOVT HOSPITAL AND BLOCK OFFICE, MAIN ROAD, PO PS MUNIGUDA MUNIGUDA. 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 UTIB0004638 is used.

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 MUNIGUDA branch came to be assigned the code UTIB0004638.

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 UTIB0004638, money simply cannot be routed to the MUNIGUDA branch electronically.

Products and account variants supported

Every account opened at the Muniguda branch is mapped to IFSC UTIB0004638 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 UTIB0004638.

Products and services

Customers walking into the Muniguda 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 UTIB0004638

How to transfer money using IFSC UTIB0004638

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 UTIB0004638 across all three.

How to use IFSC UTIB0004638 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's MUNIGUDA 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 UTIB0004638.
4. Confirm the bank name auto-populates as Axis Bank and the branch as MUNIGUDA.
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 MUNIGUDA

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's MUNIGUDA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0004638 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Axis Bank – MUNIGUDA, use IMPS. With IFSC UTIB0004638 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Muniguda

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 UTIB0004638:

• 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 MUNIGUDA is still linked to IFSC UTIB0004638.

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 MUNIGUDA branch, the IFSC UTIB0004638 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 Muniguda 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 UTIB0004638 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 & cheque-truncation details

Cheques drawn on the Muniguda branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0004638 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – MUNIGUDA:

• The IFSC is exactly UTIB0004638 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 MUNIGUDA 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 Muniguda branch

The branch is located at UPPER GR FLOOR, OPP GOVT HOSPITAL AND BLOCK OFFICE, MAIN ROAD, PO PS MUNIGUDA MUNIGUDA, which puts it inside Muniguda, the broader Rayagada district, and the state of Odisha. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Muniguda branch” — the verified location pin for IFSC UTIB0004638 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 UTIB0004638 and your account number.

Verifying IFSC UTIB0004638 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 UTIB0004638 by:

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

Working hours

Branch counters at Muniguda 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 UTIB0004638 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0004638 belongs to Axis Bank's MUNIGUDA branch, located at UPPER GR FLOOR, OPP GOVT HOSPITAL AND BLOCK OFFICE, MAIN ROAD, PO PS MUNIGUDA… in MUNIGUDA, ODISHA. 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.