Below are the complete branch details for Axis Bank, RAMANATHAPURAM branch, located in RAMANATHAPURAM, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0001080. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UTIB0001080 for Axis Bank – RAMANATHAPURAM — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, UTIB0001080 is the IFSC of Axis Bank's RAMANATHAPURAM branch. The format is fixed: UTIB = bank code, 0 = reserved, 001080 = branch identifier.
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ramanathapuram branch — IFSC UTIB0001080 — extends the bank's services to customers in and around Ramanathapuram, Tamil Nadu.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Ramanathapuram |
| IFSC Code | UTIB0001080 |
| MICR Code | Refer to cheque leaf |
| Branch Address | T S NO.37/1A5A1E, OPP. SATHYA HOSPITAL , RAMESWARAM ROAD , RAMANATHAPURAM, TAMIL NADU, PIN 623504 |
| City | Ramanathapuram |
| District | Tirunelvali |
| State | Tamil Nadu |
About this branch
The branch is located at T S NO.37/1A5A1E, OPP. SATHYA HOSPITAL , RAMESWARAM ROAD , RAMANATHAPURAM, TAMIL NADU, PIN 623504. It serves the Ramanathapuram 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 UTIB0001080 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 RAMANATHAPURAM branch came to be assigned the code UTIB0001080.
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 UTIB0001080, money simply cannot be routed to the RAMANATHAPURAM branch electronically.
Products and account variants supported
Every account opened at the Ramanathapuram branch is mapped to IFSC UTIB0001080 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 UTIB0001080.
Banking services available
The Ramanathapuram branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC UTIB0001080
How to transfer money using IFSC UTIB0001080
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 UTIB0001080 across all three.
How to use IFSC UTIB0001080 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's RAMANATHAPURAM 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 UTIB0001080.
- Confirm the bank name auto-populates as Axis Bank and the branch as RAMANATHAPURAM.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UTIB0001080
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 – RAMANATHAPURAM, ensure your bank's portal accepts IFSC UTIB0001080 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Axis Bank RAMANATHAPURAM (IFSC UTIB0001080)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0001080 in your mobile or internet banking app, and the money is credited to the RAMANATHAPURAM branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0001080 for Axis Bank – RAMANATHAPURAM, 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 – UTIB0001080 | Yes – UTIB0001080 | Yes – UTIB0001080 |
For most retail customers crediting the Ramanathapuram 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.
UPI payments and IFSC UTIB0001080
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Axis Bank – RAMANATHAPURAM is still mapped to IFSC UTIB0001080. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC UTIB0001080 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Ramanathapuram 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 UTIB0001080 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 Ramanathapuram branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0001080 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 UTIB0001080
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 – RAMANATHAPURAM, 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:
UTIB0001080. - 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 Ramanathapuram branch
The branch is located at T S NO.37/1A5A1E, OPP. SATHYA HOSPITAL , RAMESWARAM ROAD , RAMANATHAPURAM, TAMIL NADU, PIN 623504, which puts it inside Ramanathapuram, the broader Tirunelvali district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Ramanathapuram branch” — the verified location pin for IFSC UTIB0001080 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 UTIB0001080 and your account number.
Verifying IFSC UTIB0001080 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 UTIB0001080 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 Ramanathapuram 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 UTIB0001080 continue to work without interruption.
Branch address & contact
Axis BankRamanathapuram Branch
T S NO.37/1A5A1E, OPP. SATHYA HOSPITAL , RAMESWARAM ROAD , RAMANATHAPURAM, TAMIL NADU, PIN 623504
Ramanathapuram, Tamil Nadu
Phone: the branch contact number
IFSC: UTIB0001080
Frequently asked questions
How quickly will an NEFT transfer using UTIB0001080 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Ramanathapuram reflect within 30 minutes.
Is IFSC UTIB0001080 the same for all accounts at Ramanathapuram branch?
Yes. The IFSC UTIB0001080 is shared by every account held at Axis Bank's Ramanathapuram branch. Only the account number changes from customer to customer.
How do I add Axis Bank Ramanathapuram as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0001080, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Ramanathapuram branch but serve different purposes.
What is the phone number of Axis Bank Ramanathapuram branch?
You can reach the branch at the branch contact number during regular banking hours.
Can I use IFSC UTIB0001080 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0001080 to send funds instantly.
Is IFSC UTIB0001080 valid for NEFT and RTGS?
Yes. IFSC UTIB0001080 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code UTIB0001080 belongs to Axis Bank's RAMANATHAPURAM branch, located at T S NO.37/1A5A1E, OPP. SATHYA HOSPITAL , RAMESWARAM ROAD , RAMANATHAPURAM,… in RAMANATHAPURAM, TAMIL NADU. 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.
