Use this page as a one-stop reference for everything related to Axis Bank's PATTAMUNDAI branch in PATTAMUNDAI, ODISHA. The branch's IFSC code UTIB0002954 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, UTIB0002954 is the IFSC of Axis Bank's PATTAMUNDAI branch. The format is fixed: UTIB = bank code, 0 = reserved, 002954 = branch identifier.
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Pattamundai branch in Pattamundai, Odisha is part of this network and uses the IFSC code UTIB0002954 for all electronic settlement.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Pattamundai |
| IFSC Code | UTIB0002954 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GR FLR AND FIRST FLR H21 COLLEGE CHOWK PATTAMUNDAI KENDRAPARA ODISHA PIN 754215 |
| City | Pattamundai |
| District | Kendrapara |
| State | Odisha |
| STD Code | 91 |
| Phone | 9692047505 |
About the Pattamundai branch
The Pattamundai branch of Axis Bank is situated at GR FLR AND FIRST FLR H21 COLLEGE CHOWK PATTAMUNDAI KENDRAPARA ODISHA PIN 754215. 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 UTIB0002954 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 PATTAMUNDAI of Axis Bank — its own 11-character IFSC. The code UTIB0002954 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 UTIB0002954 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Pattamundai branch is mapped to IFSC UTIB0002954 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 UTIB0002954.
Products and services
Customers walking into the Pattamundai 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 UTIB0002954
How to transfer money using IFSC UTIB0002954
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 UTIB0002954 across all three.
How to use IFSC UTIB0002954 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's PATTAMUNDAI 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 UTIB0002954.
- Confirm the bank name auto-populates as Axis Bank and the branch as PATTAMUNDAI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UTIB0002954
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 – PATTAMUNDAI, ensure your bank's portal accepts IFSC UTIB0002954 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – PATTAMUNDAI, use IMPS. With IFSC UTIB0002954 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 UTIB0002954 for Axis Bank – PATTAMUNDAI, 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 – UTIB0002954 | Yes – UTIB0002954 | Yes – UTIB0002954 |
For most retail customers crediting the Pattamundai 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 PATTAMUNDAI branch, the IFSC UTIB0002954 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 Pattamundai 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 UTIB0002954 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 Pattamundai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0002954 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 UTIB0002954
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 – PATTAMUNDAI, 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:
UTIB0002954. - 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.
Reaching the branch
The Pattamundai branch sits at GR FLR AND FIRST FLR H21 COLLEGE CHOWK PATTAMUNDAI KENDRAPARA ODISHA PIN 754215. If you are travelling from outside Pattamundai, search for the branch on a maps application using the bank name and locality, or call 91-9692047505 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC UTIB0002954 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0002954 for Axis Bank – PATTAMUNDAI, 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.
Working hours
Branch counters at Pattamundai 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 UTIB0002954 continue to work without interruption.
Branch address & contact
Axis BankPattamundai Branch
GR FLR AND FIRST FLR H21 COLLEGE CHOWK PATTAMUNDAI KENDRAPARA ODISHA PIN 754215
Pattamundai, Odisha
Phone: 91-9692047505
IFSC: UTIB0002954
Frequently asked questions
What is the IFSC code of Axis Bank Pattamundai branch?
The IFSC code of Axis Bank, Pattamundai branch is UTIB0002954. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC UTIB0002954 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0002954 to send funds instantly.
How quickly will an NEFT transfer using UTIB0002954 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Pattamundai 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 Pattamundai branch but serve different purposes.
What is the phone number of Axis Bank Pattamundai branch?
You can reach the branch at 91-9692047505 during regular banking hours.
How do I add Axis Bank Pattamundai as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0002954, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UTIB0002954 the same for all accounts at Pattamundai branch?
Yes. The IFSC UTIB0002954 is shared by every account held at Axis Bank's Pattamundai branch. Only the account number changes from customer to customer.
Is IFSC UTIB0002954 valid for NEFT and RTGS?
Yes. IFSC UTIB0002954 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code UTIB0002954 belongs to Axis Bank's PATTAMUNDAI branch, located at GR FLR AND FIRST FLR H21 COLLEGE CHOWK PATTAMUNDAI KENDRAPARA ODISHA PIN 754215 in PATTAMUNDAI, 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.
