Use this page as a one-stop reference for everything related to Axis Bank's RAMPUR branch in RAMPUR, ODISHA. The branch's IFSC code UTIB0005227 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.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Axis Bank's RAMPUR branch, the IFSC UTIB0005227 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 005227 identifies this particular branch.
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Rampur branch in Rampur. 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, UTIB0005227.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Rampur |
| IFSC Code | UTIB0005227 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AXIS BANK LTD, SARAT CHANDRA MARKET COMPLEX, GROUND FLOOR, AT PO M RAMPUR |
| City | Rampur |
| District | Kalahandi |
| State | Odisha |
| STD Code | 6676 |
| Phone | 7789936055 |
About the Rampur branch
The Rampur branch of Axis Bank is situated at AXIS BANK LTD, SARAT CHANDRA MARKET COMPLEX, GROUND FLOOR, AT PO M RAMPUR. 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 UTIB0005227 is used.
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 RAMPUR branch came to be assigned the code UTIB0005227.
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 UTIB0005227, money simply cannot be routed to the RAMPUR branch electronically.
Products and account variants supported
Every account opened at the Rampur branch is mapped to IFSC UTIB0005227 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 UTIB0005227.
Products and services
Customers walking into the Rampur 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 UTIB0005227
How to transfer money using IFSC UTIB0005227
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 UTIB0005227 across all three.
How to use IFSC UTIB0005227 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's RAMPUR 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 UTIB0005227.
- Confirm the bank name auto-populates as Axis Bank and the branch as RAMPUR.
- 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 RAMPUR
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's RAMPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0005227 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 – RAMPUR, use IMPS. With IFSC UTIB0005227 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 UTIB0005227 for Axis Bank – RAMPUR, 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 – UTIB0005227 | Yes – UTIB0005227 | Yes – UTIB0005227 |
For most retail customers crediting the Rampur 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 UTIB0005227
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 – RAMPUR is still mapped to IFSC UTIB0005227. 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 UTIB0005227 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 Rampur 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 UTIB0005227 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 Rampur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0005227 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – RAMPUR:
- The IFSC is exactly UTIB0005227 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 RAMPUR 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.
Reaching the branch
The Rampur branch sits at AXIS BANK LTD, SARAT CHANDRA MARKET COMPLEX, GROUND FLOOR, AT PO M RAMPUR. If you are travelling from outside Rampur, search for the branch on a maps application using the bank name and locality, or call 6676-7789936055 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 UTIB0005227 and your account number.
Verifying IFSC UTIB0005227 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 UTIB0005227 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 6676-7789936055.
- 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 Rampur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0005227, however, work 24x7.
Branch address & contact
Axis BankRampur Branch
AXIS BANK LTD, SARAT CHANDRA MARKET COMPLEX, GROUND FLOOR, AT PO M RAMPUR
Rampur, Odisha
Phone: 6676-7789936055
IFSC: UTIB0005227
Frequently asked questions
Is IFSC UTIB0005227 valid for NEFT and RTGS?
Yes. IFSC UTIB0005227 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC UTIB0005227 the same for all accounts at Rampur branch?
Yes. The IFSC UTIB0005227 is shared by every account held at Axis Bank's Rampur branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using UTIB0005227 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Rampur reflect within 30 minutes.
Does Axis Bank Rampur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 6676-7789936055 to confirm.
What is the phone number of Axis Bank Rampur branch?
You can reach the branch at 6676-7789936055 during regular banking hours.
Where is Axis Bank Rampur branch located?
Axis Bank's Rampur branch is located at AXIS BANK LTD, SARAT CHANDRA MARKET COMPLEX, GROUND FLOOR, AT PO M RAMPUR, Rampur, Odisha.
How do I add Axis Bank Rampur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0005227, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC UTIB0005227 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0005227 to send funds instantly.
Summary
The IFSC code UTIB0005227 belongs to Axis Bank's RAMPUR branch, located at AXIS BANK LTD, SARAT CHANDRA MARKET COMPLEX, GROUND FLOOR, AT PO M RAMPUR in RAMPUR, 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.
