IFSC Code of Axis Bank, Mowa Branch, Chhattisgarh

If you are searching for the IFSC code of Axis Bank, MOWA branch in RAIPUR, CHHATTISGARH, this page has every detail you need. The verified IFSC code for this branch is UTIB0003599. 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 MOWA branch, and detailed step-by-step guides for using the IFSC UTIB0003599 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, UTIB0003599 is the IFSC of Axis Bank's MOWA branch. The format is fixed: UTIB = bank code, 0 = reserved, 003599 = branch identifier.

About Axis Bank

Axis Bank operates a wide network of branches across India, including the Mowa branch in Raipur. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UTIB0003599.

Mowa branch overview

Located at USHA PRIDE GROUND FLOOR, VIDHAN SABHA ROAD MOWA ,RAIPUR, the Mowa branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0003599 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 MOWA of Axis Bank — its own 11-character IFSC. The code UTIB0003599 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 UTIB0003599 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Mowa branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0003599 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC UTIB0003599

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 UTIB0003599 across all three.

How to use IFSC UTIB0003599 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's MOWA 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 UTIB0003599.
4. Confirm the bank name auto-populates as Axis Bank and the branch as MOWA.
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 MOWA

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's MOWA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0003599 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 – MOWA, use IMPS. With IFSC UTIB0003599 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 Mowa

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 UTIB0003599:

• 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 MOWA is still linked to IFSC UTIB0003599.

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 MOWA branch, the IFSC UTIB0003599 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.

Products and account variants supported

Every account opened at the Mowa branch is mapped to IFSC UTIB0003599 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 UTIB0003599.

Products and services

Customers walking into the Mowa 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 UTIB0003599

Online banking and IFSC UTIB0003599

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the MOWA 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 UTIB0003599 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.

How to reach the Mowa branch

The branch is located at USHA PRIDE GROUND FLOOR, VIDHAN SABHA ROAD MOWA ,RAIPUR, which puts it inside Raipur, the broader Raipur district, and the state of Chhattisgarh. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Mowa branch” — the verified location pin for IFSC UTIB0003599 should appear at the top of the results.
2. Confirm the branch is open by calling 771-4098032 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 UTIB0003599 and your account number.

Common mistakes to avoid when using IFSC UTIB0003599

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 – MOWA, 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: UTIB0003599.
• 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.

Working hours

Branch counters at Mowa 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 UTIB0003599 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0003599 for Axis Bank – MOWA, 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 address & contact

Frequently asked questions

Final notes

To recap: UTIB0003599 is the IFSC code of Axis Bank, MOWA branch, in RAIPUR, CHHATTISGARH. 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.