If you are searching for the IFSC code of Axis Bank, KESHAV NAGAR, PUNE branch in PUNE, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is UTIB0004499. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the KESHAV NAGAR, PUNE branch, and detailed step-by-step guides for using the IFSC UTIB0004499 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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, UTIB0004499 is the IFSC of Axis Bank's KESHAV NAGAR, PUNE branch. The format is fixed: UTIB = bank code, 0 = reserved, 004499 = branch identifier.
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Keshav Nagar, Pune branch — IFSC UTIB0004499 — extends the bank's services to customers in and around Pune, Maharashtra.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Keshav Nagar, Pune |
| IFSC Code | UTIB0004499 |
| MICR Code | Refer to cheque leaf |
| Branch Address | UPPER GROUND FLOOR, VASTURESHREE ADRINA, SHOP NO. 9, 10 & 11, KESHAV NAGAR 411036 |
| City | Pune |
| District | Pune |
| State | Maharashtra |
| STD Code | 20 |
| Phone | 9764693726 |
About this branch
The branch is located at UPPER GROUND FLOOR, VASTURESHREE ADRINA, SHOP NO. 9, 10 & 11, KESHAV NAGAR 411036. It serves the Pune 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 UTIB0004499 is used to identify this branch on the RBI payments network.
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 KESHAV NAGAR, PUNE branch came to be assigned the code UTIB0004499.
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 UTIB0004499, money simply cannot be routed to the KESHAV NAGAR, PUNE branch electronically.
Products and account variants supported
Every account opened at the Keshav Nagar, Pune branch is mapped to IFSC UTIB0004499 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 UTIB0004499.
Products and services
Customers walking into the Keshav Nagar, Pune 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 UTIB0004499
How to transfer money using IFSC UTIB0004499
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 UTIB0004499 across all three.
How to use IFSC UTIB0004499 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's KESHAV NAGAR, PUNE 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 UTIB0004499.
- Confirm the bank name auto-populates as Axis Bank and the branch as KESHAV NAGAR, PUNE.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UTIB0004499
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 – KESHAV NAGAR, PUNE, ensure your bank's portal accepts IFSC UTIB0004499 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – KESHAV NAGAR, PUNE, use IMPS. With IFSC UTIB0004499 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 UTIB0004499 for Axis Bank – KESHAV NAGAR, PUNE, 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 – UTIB0004499 | Yes – UTIB0004499 | Yes – UTIB0004499 |
For most retail customers crediting the Keshav Nagar, Pune 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 KESHAV NAGAR, PUNE branch, the IFSC UTIB0004499 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.
Online banking and IFSC UTIB0004499
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the KESHAV NAGAR, PUNE 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 UTIB0004499 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.
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 UTIB0004499 and the account number together uniquely identify the Keshav Nagar, Pune branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – KESHAV NAGAR, PUNE:
- The IFSC is exactly UTIB0004499 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 KESHAV NAGAR, PUNE 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 Keshav Nagar, Pune branch
The branch is located at UPPER GROUND FLOOR, VASTURESHREE ADRINA, SHOP NO. 9, 10 & 11, KESHAV NAGAR 411036, which puts it inside Pune, the broader Pune district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Keshav Nagar, Pune branch” — the verified location pin for IFSC UTIB0004499 should appear at the top of the results.
- Confirm the branch is open by calling 20-9764693726 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 UTIB0004499 and your account number.
Verifying IFSC UTIB0004499 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 UTIB0004499 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 20-9764693726.
- Visiting the bank's official branch locator page.
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 Keshav Nagar, Pune branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0004499, however, work 24x7.
Branch address & contact
Axis BankKeshav Nagar, Pune Branch
UPPER GROUND FLOOR, VASTURESHREE ADRINA, SHOP NO. 9, 10 & 11, KESHAV NAGAR 411036
Pune, Maharashtra
Phone: 20-9764693726
IFSC: UTIB0004499
Frequently asked questions
Where is Axis Bank Keshav Nagar, Pune branch located?
Axis Bank's Keshav Nagar, Pune branch is located at UPPER GROUND FLOOR, VASTURESHREE ADRINA, SHOP NO. 9, 10 & 11, KESHAV NAGAR 411036, Pune, Maharashtra.
What is the phone number of Axis Bank Keshav Nagar, Pune branch?
You can reach the branch at 20-9764693726 during regular banking hours.
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 Keshav Nagar, Pune branch but serve different purposes.
How do I add Axis Bank Keshav Nagar, Pune as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0004499, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UTIB0004499 the same for all accounts at Keshav Nagar, Pune branch?
Yes. The IFSC UTIB0004499 is shared by every account held at Axis Bank's Keshav Nagar, Pune branch. Only the account number changes from customer to customer.
Can I use IFSC UTIB0004499 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0004499 to send funds instantly.
Summary
The IFSC code UTIB0004499 belongs to Axis Bank's KESHAV NAGAR, PUNE branch, located at UPPER GROUND FLOOR, VASTURESHREE ADRINA, SHOP NO. 9, 10 & 11, KESHAV NAGAR… in PUNE, MAHARASHTRA. 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.
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