Below are the complete branch details for Axis Bank, TORANAGALLU branch, located in TORANAGALLU, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0003870. 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 UTIB0003870 for Axis Bank – TORANAGALLU — 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, UTIB0003870 is the IFSC of Axis Bank's TORANAGALLU branch. The format is fixed: UTIB = bank code, 0 = reserved, 003870 = branch identifier.
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Toranagallu branch in Toranagallu, Karnataka is part of this network and uses the IFSC code UTIB0003870 for all electronic settlement.
Toranagallu branch overview
Located at NO 100,GROUND FLOOR, HOSPET BELLARY MAIN ROAD 583123, the Toranagallu branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0003870 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Toranagallu |
| IFSC Code | UTIB0003870 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO 100,GROUND FLOOR, HOSPET BELLARY MAIN ROAD 583123 |
| City | Toranagallu |
| District | Bellary |
| State | Karnataka |
| STD Code | 8395 |
| Phone | 250255 |
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 TORANAGALLU of Axis Bank — its own 11-character IFSC. The code UTIB0003870 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 UTIB0003870 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 UTIB0003870 and the account number together uniquely identify the Toranagallu branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UTIB0003870
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 UTIB0003870 across all three.
NEFT to Axis Bank, TORANAGALLU using IFSC UTIB0003870
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 UTIB0003870, and confirm that the system picks up Axis Bank – TORANAGALLU. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0003870
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 – TORANAGALLU, ensure your bank's portal accepts IFSC UTIB0003870 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – TORANAGALLU, use IMPS. With IFSC UTIB0003870 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 UTIB0003870 for Axis Bank – TORANAGALLU, 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 – UTIB0003870 | Yes – UTIB0003870 | Yes – UTIB0003870 |
For most retail customers crediting the Toranagallu 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 UTIB0003870
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 – TORANAGALLU is still mapped to IFSC UTIB0003870. 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 UTIB0003870 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Toranagallu branch is mapped to IFSC UTIB0003870 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 UTIB0003870.
Banking services available
The Toranagallu branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8395-250255.
- 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 UTIB0003870
Online banking and IFSC UTIB0003870
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the TORANAGALLU 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 UTIB0003870 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.
Reaching the branch
The Toranagallu branch sits at NO 100,GROUND FLOOR, HOSPET BELLARY MAIN ROAD 583123. If you are travelling from outside Toranagallu, search for the branch on a maps application using the bank name and locality, or call 8395-250255 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 UTIB0003870 and your account number.
Common mistakes to avoid when using IFSC UTIB0003870
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 – TORANAGALLU, 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:
UTIB0003870. - 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.
Working hours
Branch counters at Toranagallu 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 UTIB0003870 continue to work without interruption.
Verifying IFSC UTIB0003870 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 UTIB0003870 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8395-250255.
- Visiting the bank's official branch locator page.
Branch address & contact
Axis BankToranagallu Branch
NO 100,GROUND FLOOR, HOSPET BELLARY MAIN ROAD 583123
Toranagallu, Karnataka
Phone: 8395-250255
IFSC: UTIB0003870
Frequently asked questions
Where is Axis Bank Toranagallu branch located?
Axis Bank's Toranagallu branch is located at NO 100,GROUND FLOOR, HOSPET BELLARY MAIN ROAD 583123, Toranagallu, Karnataka.
How quickly will an NEFT transfer using UTIB0003870 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Toranagallu reflect within 30 minutes.
What is the IFSC code of Axis Bank Toranagallu branch?
The IFSC code of Axis Bank, Toranagallu branch is UTIB0003870. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Axis Bank Toranagallu branch?
You can reach the branch at 8395-250255 during regular banking hours.
Can I use IFSC UTIB0003870 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0003870 to send funds instantly.
Is IFSC UTIB0003870 valid for NEFT and RTGS?
Yes. IFSC UTIB0003870 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Axis Bank Toranagallu as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0003870, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Axis Bank Toranagallu branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 8395-250255 to confirm.
Summary
The IFSC code UTIB0003870 belongs to Axis Bank's TORANAGALLU branch, located at NO 100,GROUND FLOOR, HOSPET BELLARY MAIN ROAD 583123 in TORANAGALLU, KARNATAKA. 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.
