IFSC Code of Axis Bank, Rama Laxman Junction Branch Branch, Andhra Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, RAMA LAXMAN JUNCTION BRANCH branch in SRIKAKULAM. The 11-digit IFSC UTIB0006349 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 RAMA LAXMAN JUNCTION BRANCH 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.

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, UTIB0006349 is the IFSC of Axis Bank's RAMA LAXMAN JUNCTION BRANCH branch. The format is fixed: UTIB = bank code, 0 = reserved, 006349 = branch identifier.

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Rama Laxman Junction Branch branch — IFSC UTIB0006349 — extends the bank's services to customers in and around Srikakulam, Andhra Pradesh.

Branch details at a glance

About the Rama Laxman Junction Branch branch

The Rama Laxman Junction Branch branch of Axis Bank is situated at GROUND FLOOR, SY NO 307 4, PEDDAPADU ROAD, ARASAVELLI JUNCTION, SRIKAKULAM MUNICIPALITY, SRIKAKULAM DISTRICT, ANDHRA PRADESH. 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 UTIB0006349 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 RAMA LAXMAN JUNCTION BRANCH branch came to be assigned the code UTIB0006349.

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 UTIB0006349, money simply cannot be routed to the RAMA LAXMAN JUNCTION BRANCH branch electronically.

Products and account variants supported

Every account opened at the Rama Laxman Junction Branch branch is mapped to IFSC UTIB0006349 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 UTIB0006349.

Products and services

Customers walking into the Rama Laxman Junction 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 UTIB0006349

How to transfer money using IFSC UTIB0006349

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 UTIB0006349 across all three.

How to use IFSC UTIB0006349 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's RAMA LAXMAN JUNCTION BRANCH 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 UTIB0006349.
4. Confirm the bank name auto-populates as Axis Bank and the branch as RAMA LAXMAN JUNCTION BRANCH.
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 RAMA LAXMAN JUNCTION BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's RAMA LAXMAN JUNCTION BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0006349 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 – RAMA LAXMAN JUNCTION BRANCH, use IMPS. With IFSC UTIB0006349 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 UTIB0006349 for Axis Bank – RAMA LAXMAN JUNCTION 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.

For most retail customers crediting the Rama Laxman Junction 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.

UPI payments and IFSC UTIB0006349

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 – RAMA LAXMAN JUNCTION BRANCH is still mapped to IFSC UTIB0006349. 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 UTIB0006349 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UTIB0006349

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the RAMA LAXMAN JUNCTION BRANCH 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 UTIB0006349 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.

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 UTIB0006349 and the account number together uniquely identify the Rama Laxman Junction Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – RAMA LAXMAN JUNCTION BRANCH:

• The IFSC is exactly UTIB0006349 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 RAMA LAXMAN JUNCTION BRANCH 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.

How to reach the Rama Laxman Junction Branch branch

The branch is located at GROUND FLOOR, SY NO 307 4, PEDDAPADU ROAD, ARASAVELLI JUNCTION, SRIKAKULAM MUNICIPALITY, SRIKAKULAM DISTRICT, ANDHRA PRADESH, which puts it inside Srikakulam, the broader Srikakulam district, and the state of Andhra Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Rama Laxman Junction Branch branch” — the verified location pin for IFSC UTIB0006349 should appear at the top of the results.
2. Confirm the branch is open by calling 8942-9676815105 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 UTIB0006349 and your account number.

Verifying IFSC UTIB0006349 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 UTIB0006349 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8942-9676815105.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Rama Laxman Junction 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 UTIB0006349 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0006349 belongs to Axis Bank's RAMA LAXMAN JUNCTION BRANCH branch, located at GROUND FLOOR, SY NO 307 4, PEDDAPADU ROAD, ARASAVELLI JUNCTION, SRIKAKULAM… in SRIKAKULAM, ANDHRA PRADESH. 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.