If you are searching for the IFSC code of Axis Bank, SASTHAMANGALAM branch in TRIVANDRUM, KERALA, this page has every detail you need. The verified IFSC code for this branch is UTIB0003042. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the SASTHAMANGALAM branch, and detailed step-by-step guides for using the IFSC UTIB0003042 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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 – SASTHAMANGALAM is UTIB0003042. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003042 map to this branch in TRIVANDRUM, KERALA.
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Sasthamangalam branch — IFSC UTIB0003042 — extends the bank's services to customers in and around Trivandrum, Kerala.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Sasthamangalam |
| IFSC Code | UTIB0003042 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHIVASAKTHI TOWERS VELLAYAMBALAM SASTHAMANGALAM 695010 |
| City | Trivandrum |
| District | Trivandrum |
| State | Kerala |
| STD Code | 471 |
| Phone | 2724311 |
About the Sasthamangalam branch
The Sasthamangalam branch of Axis Bank is situated at SHIVASAKTHI TOWERS VELLAYAMBALAM SASTHAMANGALAM 695010. 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 UTIB0003042 is used.
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 SASTHAMANGALAM of Axis Bank — its own 11-character IFSC. The code UTIB0003042 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 UTIB0003042 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Sasthamangalam branch is mapped to IFSC UTIB0003042 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 UTIB0003042.
Products and services
Customers walking into the Sasthamangalam 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 UTIB0003042
How to transfer money using IFSC UTIB0003042
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 UTIB0003042 across all three.
NEFT to Axis Bank, SASTHAMANGALAM using IFSC UTIB0003042
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 UTIB0003042, and confirm that the system picks up Axis Bank – SASTHAMANGALAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0003042
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 – SASTHAMANGALAM, ensure your bank's portal accepts IFSC UTIB0003042 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – SASTHAMANGALAM, use IMPS. With IFSC UTIB0003042 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 UTIB0003042 for Axis Bank – SASTHAMANGALAM, 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 – UTIB0003042 | Yes – UTIB0003042 | Yes – UTIB0003042 |
For most retail customers crediting the Sasthamangalam 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 SASTHAMANGALAM branch, the IFSC UTIB0003042 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.
Online banking and IFSC UTIB0003042
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the SASTHAMANGALAM 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 UTIB0003042 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 & cheque-truncation details
Cheques drawn on the Sasthamangalam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0003042 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC UTIB0003042
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 – SASTHAMANGALAM, 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:
UTIB0003042. - 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.
How to reach the Sasthamangalam branch
The branch is located at SHIVASAKTHI TOWERS VELLAYAMBALAM SASTHAMANGALAM 695010, which puts it inside Trivandrum, the broader Trivandrum district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Sasthamangalam branch” — the verified location pin for IFSC UTIB0003042 should appear at the top of the results.
- Confirm the branch is open by calling 471-2724311 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 UTIB0003042 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0003042 for Axis Bank – SASTHAMANGALAM, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Sasthamangalam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0003042, however, work 24x7.
Branch address & contact
Axis BankSasthamangalam Branch
SHIVASAKTHI TOWERS VELLAYAMBALAM SASTHAMANGALAM 695010
Trivandrum, Kerala
Phone: 471-2724311
IFSC: UTIB0003042
Frequently asked questions
Is IFSC UTIB0003042 the same for all accounts at Sasthamangalam branch?
Yes. The IFSC UTIB0003042 is shared by every account held at Axis Bank's Sasthamangalam branch. Only the account number changes from customer to customer.
Is IFSC UTIB0003042 valid for NEFT and RTGS?
Yes. IFSC UTIB0003042 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Axis Bank Sasthamangalam branch located?
Axis Bank's Sasthamangalam branch is located at SHIVASAKTHI TOWERS VELLAYAMBALAM SASTHAMANGALAM 695010, Trivandrum, Kerala.
How quickly will an NEFT transfer using UTIB0003042 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Sasthamangalam reflect within 30 minutes.
What is the phone number of Axis Bank Sasthamangalam branch?
You can reach the branch at 471-2724311 during regular banking hours.
Can I use IFSC UTIB0003042 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0003042 to send funds instantly.
How do I add Axis Bank Sasthamangalam as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0003042, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Axis Bank Sasthamangalam branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 471-2724311 to confirm.
Final notes
To recap: UTIB0003042 is the IFSC code of Axis Bank, SASTHAMANGALAM branch, in TRIVANDRUM, KERALA. 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.
