Use this page as a one-stop reference for everything related to Axis Bank's THIRUVERUMBUR branch in TRICHY, TAMIL NADU. The branch's IFSC code UTIB0003131 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 THIRUVERUMBUR branch, the IFSC UTIB0003131 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 003131 identifies this particular branch.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Thiruverumbur |
| IFSC Code | UTIB0003131 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PLOT NO 4 GANESH NAGAR THANJAI MAIN ROAD THIRUVERUMBUR UNION KAATTUR PO |
| City | Trichy |
| District | Trichy |
| State | Tamil Nadu |
| STD Code | 431 |
| Phone | 2531643 |
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Thiruverumbur branch in Trichy. 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, UTIB0003131.
About this branch
The branch is located at PLOT NO 4 GANESH NAGAR THANJAI MAIN ROAD THIRUVERUMBUR UNION KAATTUR PO. It serves the Trichy region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Axis Bank. The IFSC UTIB0003131 is used to identify this branch on the RBI payments network.
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 THIRUVERUMBUR branch came to be assigned the code UTIB0003131.
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 UTIB0003131, money simply cannot be routed to the THIRUVERUMBUR branch electronically.
How to transfer money using IFSC UTIB0003131
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 UTIB0003131 across all three.
NEFT to Axis Bank, THIRUVERUMBUR using IFSC UTIB0003131
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 UTIB0003131, and confirm that the system picks up Axis Bank – THIRUVERUMBUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0003131
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 – THIRUVERUMBUR, ensure your bank's portal accepts IFSC UTIB0003131 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Axis Bank THIRUVERUMBUR (IFSC UTIB0003131)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0003131 in your mobile or internet banking app, and the money is credited to the THIRUVERUMBUR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0003131 for Axis Bank – THIRUVERUMBUR, 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 – UTIB0003131 | Yes – UTIB0003131 | Yes – UTIB0003131 |
For most retail customers crediting the Thiruverumbur 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 UTIB0003131
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 – THIRUVERUMBUR is still mapped to IFSC UTIB0003131. 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 UTIB0003131 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Thiruverumbur branch is mapped to IFSC UTIB0003131 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 UTIB0003131.
Banking services available
The Thiruverumbur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 431-2531643.
- 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 UTIB0003131
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 UTIB0003131 and the account number together uniquely identify the Thiruverumbur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC UTIB0003131
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the THIRUVERUMBUR 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 UTIB0003131 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.
Common mistakes to avoid when using IFSC UTIB0003131
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 – THIRUVERUMBUR, 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:
UTIB0003131. - 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 Thiruverumbur branch sits at PLOT NO 4 GANESH NAGAR THANJAI MAIN ROAD THIRUVERUMBUR UNION KAATTUR PO. If you are travelling from outside Trichy, search for the branch on a maps application using the bank name and locality, or call 431-2531643 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 UTIB0003131 and your account number.
Verifying IFSC UTIB0003131 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 UTIB0003131 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 431-2531643.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Thiruverumbur 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 UTIB0003131 continue to work without interruption.
Branch address & contact
Axis BankThiruverumbur Branch
PLOT NO 4 GANESH NAGAR THANJAI MAIN ROAD THIRUVERUMBUR UNION KAATTUR PO
Trichy, Tamil Nadu
Phone: 431-2531643
IFSC: UTIB0003131
Frequently asked questions
Is IFSC UTIB0003131 valid for NEFT and RTGS?
Yes. IFSC UTIB0003131 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC UTIB0003131 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0003131 to send funds instantly.
What is the phone number of Axis Bank Thiruverumbur branch?
You can reach the branch at 431-2531643 during regular banking hours.
Does Axis Bank Thiruverumbur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 431-2531643 to confirm.
What is the IFSC code of Axis Bank Thiruverumbur branch?
The IFSC code of Axis Bank, Thiruverumbur branch is UTIB0003131. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UTIB0003131 the same for all accounts at Thiruverumbur branch?
Yes. The IFSC UTIB0003131 is shared by every account held at Axis Bank's Thiruverumbur branch. Only the account number changes from customer to customer.
Where is Axis Bank Thiruverumbur branch located?
Axis Bank's Thiruverumbur branch is located at PLOT NO 4 GANESH NAGAR THANJAI MAIN ROAD THIRUVERUMBUR UNION KAATTUR PO, Trichy, Tamil Nadu.
How quickly will an NEFT transfer using UTIB0003131 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Thiruverumbur reflect within 30 minutes.
Final notes
To recap: UTIB0003131 is the IFSC code of Axis Bank, THIRUVERUMBUR branch, in TRICHY, TAMIL NADU. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
