This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, OTTAPALAM branch in OTTAPALAM. The 11-digit IFSC UTIB0002164 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 OTTAPALAM 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 – OTTAPALAM is UTIB0002164. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002164 map to this branch in OTTAPALAM, KERALA.
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ottapalam branch in Ottapalam, Kerala is part of this network and uses the IFSC code UTIB0002164 for all electronic settlement.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Ottapalam |
| IFSC Code | UTIB0002164 |
| MICR Code | Refer to cheque leaf |
| Branch Address | D. NO. VII/434/1,2,3, GROUND FLOOR, PALAKKAD MAIN ROAD, OTTAPALAM - 679 101 |
| City | Ottapalam |
| District | Palakkad |
| State | Kerala |
About this branch
The branch is located at D. NO. VII/434/1,2,3, GROUND FLOOR, PALAKKAD MAIN ROAD, OTTAPALAM - 679 101. It serves the Ottapalam 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 UTIB0002164 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 OTTAPALAM of Axis Bank — its own 11-character IFSC. The code UTIB0002164 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 UTIB0002164 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 Ottapalam branch
Once you have an account at Axis Bank – OTTAPALAM, the IFSC UTIB0002164 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.
Products and services
Customers walking into the Ottapalam 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 UTIB0002164
How to transfer money using IFSC UTIB0002164
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 UTIB0002164 across all three.
NEFT to Axis Bank, OTTAPALAM using IFSC UTIB0002164
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 UTIB0002164, and confirm that the system picks up Axis Bank – OTTAPALAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0002164
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 – OTTAPALAM, ensure your bank's portal accepts IFSC UTIB0002164 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – OTTAPALAM, use IMPS. With IFSC UTIB0002164 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0002164 for Axis Bank – OTTAPALAM, 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 – UTIB0002164 | Yes – UTIB0002164 | Yes – UTIB0002164 |
For most retail customers crediting the Ottapalam 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 OTTAPALAM branch, the IFSC UTIB0002164 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 Ottapalam 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 UTIB0002164 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 Ottapalam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0002164 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC UTIB0002164
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 – OTTAPALAM, 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:
UTIB0002164. - 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 Ottapalam branch
The branch is located at D. NO. VII/434/1,2,3, GROUND FLOOR, PALAKKAD MAIN ROAD, OTTAPALAM - 679 101, which puts it inside Ottapalam, the broader Palakkad district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Ottapalam branch” — the verified location pin for IFSC UTIB0002164 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number 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 UTIB0002164 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0002164 for Axis Bank – OTTAPALAM, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Ottapalam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0002164, however, work 24x7.
Branch address & contact
Axis BankOttapalam Branch
D. NO. VII/434/1,2,3, GROUND FLOOR, PALAKKAD MAIN ROAD, OTTAPALAM - 679 101
Ottapalam, Kerala
Phone: the branch contact number
IFSC: UTIB0002164
Frequently asked questions
Is IFSC UTIB0002164 valid for NEFT and RTGS?
Yes. IFSC UTIB0002164 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Axis Bank Ottapalam branch?
You can reach the branch at the branch contact number during regular banking hours.
Can I use IFSC UTIB0002164 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0002164 to send funds instantly.
How do I add Axis Bank Ottapalam as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0002164, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UTIB0002164 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Ottapalam reflect within 30 minutes.
Where is Axis Bank Ottapalam branch located?
Axis Bank's Ottapalam branch is located at D. NO. VII/434/1,2,3, GROUND FLOOR, PALAKKAD MAIN ROAD, OTTAPALAM - 679 101, Ottapalam, Kerala.
Does Axis Bank Ottapalam branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Final notes
To recap: UTIB0002164 is the IFSC code of Axis Bank, OTTAPALAM branch, in OTTAPALAM, 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.
