Use this page as a one-stop reference for everything related to Axis Bank's RUDRAPRAYAG BRANCH branch in RUDRAPRAYAG, UTTARAKHAND. The branch's IFSC code UTIB0004495 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.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Axis Bank – RUDRAPRAYAG BRANCH is UTIB0004495. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004495 map to this branch in RUDRAPRAYAG, UTTARAKHAND.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Rudraprayag Branch |
| IFSC Code | UTIB0004495 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, HOTEL PUSHP DEEP, KHASRA NO. 404,TO 407,VILLAGE PUNAD, RISHIKESH JOSHIMATH ROAD RUDRAPRAYAG 246171 |
| City | Rudraprayag |
| District | Rudraprayag |
| State | Uttarakhand |
| STD Code | 1364 |
| Phone | 7249917430 |
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Rudraprayag Branch branch — IFSC UTIB0004495 — extends the bank's services to customers in and around Rudraprayag, Uttarakhand.
Rudraprayag Branch branch overview
Located at GROUND FLOOR, HOTEL PUSHP DEEP, KHASRA NO. 404,TO 407,VILLAGE PUNAD, RISHIKESH JOSHIMATH ROAD RUDRAPRAYAG 246171, the Rudraprayag Branch branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0004495 is required for all interbank electronic transfers routed through this branch.
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 RUDRAPRAYAG BRANCH branch came to be assigned the code UTIB0004495.
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 UTIB0004495, money simply cannot be routed to the RUDRAPRAYAG BRANCH branch electronically.
How to transfer money using IFSC UTIB0004495
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 UTIB0004495 across all three.
NEFT to Axis Bank, RUDRAPRAYAG BRANCH using IFSC UTIB0004495
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC UTIB0004495, and confirm that the system picks up Axis Bank – RUDRAPRAYAG BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to RUDRAPRAYAG BRANCH
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's RUDRAPRAYAG BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0004495 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 – RUDRAPRAYAG BRANCH, use IMPS. With IFSC UTIB0004495 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 UTIB0004495 for Axis Bank – RUDRAPRAYAG BRANCH, 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 – UTIB0004495 | Yes – UTIB0004495 | Yes – UTIB0004495 |
For most retail customers crediting the Rudraprayag Branch 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 RUDRAPRAYAG BRANCH branch, the IFSC UTIB0004495 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 Rudraprayag Branch branch is mapped to IFSC UTIB0004495 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 UTIB0004495.
Products and services
Customers walking into the Rudraprayag Branch 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 UTIB0004495
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 UTIB0004495 and the account number together uniquely identify the Rudraprayag Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Rudraprayag Branch 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 UTIB0004495 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.
Common mistakes to avoid when using IFSC UTIB0004495
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 – RUDRAPRAYAG BRANCH, 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:
UTIB0004495. - 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 Rudraprayag Branch branch sits at GROUND FLOOR, HOTEL PUSHP DEEP, KHASRA NO. 404,TO 407,VILLAGE PUNAD, RISHIKESH JOSHIMATH ROAD RUDRAPRAYAG 246171. If you are travelling from outside Rudraprayag, search for the branch on a maps application using the bank name and locality, or call 1364-7249917430 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 UTIB0004495 and your account number.
Verifying IFSC UTIB0004495 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 UTIB0004495 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1364-7249917430.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Rudraprayag Branch 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 UTIB0004495 continue to work without interruption.
Branch address & contact
Axis BankRudraprayag Branch Branch
GROUND FLOOR, HOTEL PUSHP DEEP, KHASRA NO. 404,TO 407,VILLAGE PUNAD, RISHIKESH JOSHIMATH ROAD RUDRAPRAYAG 246171
Rudraprayag, Uttarakhand
Phone: 1364-7249917430
IFSC: UTIB0004495
Frequently asked questions
Can I use IFSC UTIB0004495 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0004495 to send funds instantly.
Is IFSC UTIB0004495 the same for all accounts at Rudraprayag Branch branch?
Yes. The IFSC UTIB0004495 is shared by every account held at Axis Bank's Rudraprayag Branch branch. Only the account number changes from customer to customer.
How do I add Axis Bank Rudraprayag Branch as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0004495, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Axis Bank Rudraprayag Branch branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1364-7249917430 to confirm.
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 Rudraprayag Branch branch but serve different purposes.
What is the phone number of Axis Bank Rudraprayag Branch branch?
You can reach the branch at 1364-7249917430 during regular banking hours.
What is the IFSC code of Axis Bank Rudraprayag Branch branch?
The IFSC code of Axis Bank, Rudraprayag Branch branch is UTIB0004495. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using UTIB0004495 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Rudraprayag Branch reflect within 30 minutes.
Summary
The IFSC code UTIB0004495 belongs to Axis Bank's RUDRAPRAYAG BRANCH branch, located at GROUND FLOOR, HOTEL PUSHP DEEP, KHASRA NO. 404,TO 407,VILLAGE PUNAD, RISHIKESH… in RUDRAPRAYAG, UTTARAKHAND. 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.
