This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, PETHANAICKENPALAYAM branch in SALEM. The 11-digit IFSC UTIB0004546 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Axis Bank at the PETHANAICKENPALAYAM location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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 PETHANAICKENPALAYAM branch, the IFSC UTIB0004546 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 004546 identifies this particular branch.
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Pethanaickenpalayam branch in Salem, Tamil Nadu is part of this network and uses the IFSC code UTIB0004546 for all electronic settlement.
Pethanaickenpalayam branch overview
Located at NO.19, MAIN ROAD, RAMASAMY NAGAR, PETHANAICKENPALAYAM, the Pethanaickenpalayam branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0004546 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Pethanaickenpalayam |
| IFSC Code | UTIB0004546 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO.19, MAIN ROAD, RAMASAMY NAGAR, PETHANAICKENPALAYAM |
| City | Salem |
| District | Salem |
| State | Tamil Nadu |
| STD Code | 4282 |
| Phone | 221281 |
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 PETHANAICKENPALAYAM of Axis Bank — its own 11-character IFSC. The code UTIB0004546 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 UTIB0004546 the same way you would treat your account number — verify it once and save it carefully for future use.
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 UTIB0004546 and the account number together uniquely identify the Pethanaickenpalayam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UTIB0004546
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 UTIB0004546 across all three.
NEFT to Axis Bank, PETHANAICKENPALAYAM using IFSC UTIB0004546
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 UTIB0004546, and confirm that the system picks up Axis Bank – PETHANAICKENPALAYAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0004546
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 – PETHANAICKENPALAYAM, ensure your bank's portal accepts IFSC UTIB0004546 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Axis Bank PETHANAICKENPALAYAM (IFSC UTIB0004546)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0004546 in your mobile or internet banking app, and the money is credited to the PETHANAICKENPALAYAM branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Pethanaickenpalayam
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 UTIB0004546:
- 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 PETHANAICKENPALAYAM is still linked to IFSC UTIB0004546.
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 PETHANAICKENPALAYAM branch, the IFSC UTIB0004546 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 Pethanaickenpalayam branch is mapped to IFSC UTIB0004546 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 UTIB0004546.
Banking services available
The Pethanaickenpalayam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4282-221281.
- 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 UTIB0004546
Digital banking channels
Most day-to-day work that customers used to do at the Pethanaickenpalayam 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 UTIB0004546 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.
How to reach the Pethanaickenpalayam branch
The branch is located at NO.19, MAIN ROAD, RAMASAMY NAGAR, PETHANAICKENPALAYAM, which puts it inside Salem, the broader Salem district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Pethanaickenpalayam branch” — the verified location pin for IFSC UTIB0004546 should appear at the top of the results.
- Confirm the branch is open by calling 4282-221281 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 UTIB0004546 and your account number.
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 – PETHANAICKENPALAYAM:
- The IFSC is exactly UTIB0004546 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 PETHANAICKENPALAYAM 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.
Working hours
Branch counters at Pethanaickenpalayam 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 UTIB0004546 continue to work without interruption.
Verifying IFSC UTIB0004546 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 UTIB0004546 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 4282-221281.
- Visiting the bank's official branch locator page.
Branch address & contact
Axis BankPethanaickenpalayam Branch
NO.19, MAIN ROAD, RAMASAMY NAGAR, PETHANAICKENPALAYAM
Salem, Tamil Nadu
Phone: 4282-221281
IFSC: UTIB0004546
Frequently asked questions
How quickly will an NEFT transfer using UTIB0004546 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Pethanaickenpalayam reflect within 30 minutes.
Is IFSC UTIB0004546 valid for NEFT and RTGS?
Yes. IFSC UTIB0004546 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC UTIB0004546 the same for all accounts at Pethanaickenpalayam branch?
Yes. The IFSC UTIB0004546 is shared by every account held at Axis Bank's Pethanaickenpalayam branch. Only the account number changes from customer to customer.
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 Pethanaickenpalayam branch but serve different purposes.
How do I add Axis Bank Pethanaickenpalayam as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0004546, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC UTIB0004546 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0004546 to send funds instantly.
What is the phone number of Axis Bank Pethanaickenpalayam branch?
You can reach the branch at 4282-221281 during regular banking hours.
Where is Axis Bank Pethanaickenpalayam branch located?
Axis Bank's Pethanaickenpalayam branch is located at NO.19, MAIN ROAD, RAMASAMY NAGAR, PETHANAICKENPALAYAM, Salem, Tamil Nadu.
Summary
The IFSC code UTIB0004546 belongs to Axis Bank's PETHANAICKENPALAYAM branch, located at NO.19, MAIN ROAD, RAMASAMY NAGAR, PETHANAICKENPALAYAM in SALEM, 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.
