If you are searching for the IFSC code of Axis Bank, SIRAGATE TUMKUR branch in TUMKUR, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is UTIB0003445. 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 SIRAGATE TUMKUR branch, and detailed step-by-step guides for using the IFSC UTIB0003445 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 – SIRAGATE TUMKUR is UTIB0003445. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003445 map to this branch in TUMKUR, KARNATAKA.
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Siragate Tumkur branch — IFSC UTIB0003445 — extends the bank's services to customers in and around Tumkur, Karnataka.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Siragate Tumkur |
| IFSC Code | UTIB0003445 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO 2665 WARD NO 2 SIRA GATE TUMKUR PB NO 62209 SURVEY NO 205 SITE NO 11 SIRA GATE TUMKUR 572102 |
| City | Tumkur |
| District | Tumkur |
| State | Karnataka |
| STD Code | 816 |
| Phone | 2252324 |
About this branch
The branch is located at NO 2665 WARD NO 2 SIRA GATE TUMKUR PB NO 62209 SURVEY NO 205 SITE NO 11 SIRA GATE TUMKUR 572102. It serves the Tumkur 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 UTIB0003445 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 SIRAGATE TUMKUR branch came to be assigned the code UTIB0003445.
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 UTIB0003445, money simply cannot be routed to the SIRAGATE TUMKUR branch electronically.
Products and account variants supported
Every account opened at the Siragate Tumkur branch is mapped to IFSC UTIB0003445 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 UTIB0003445.
Banking services available
The Siragate Tumkur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 816-2252324.
- 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 UTIB0003445
How to transfer money using IFSC UTIB0003445
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 UTIB0003445 across all three.
NEFT to Axis Bank, SIRAGATE TUMKUR using IFSC UTIB0003445
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 UTIB0003445, and confirm that the system picks up Axis Bank – SIRAGATE TUMKUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0003445
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 – SIRAGATE TUMKUR, ensure your bank's portal accepts IFSC UTIB0003445 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – SIRAGATE TUMKUR, use IMPS. With IFSC UTIB0003445 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 UTIB0003445 for Axis Bank – SIRAGATE TUMKUR, 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 – UTIB0003445 | Yes – UTIB0003445 | Yes – UTIB0003445 |
For most retail customers crediting the Siragate Tumkur 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 UTIB0003445
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 – SIRAGATE TUMKUR is still mapped to IFSC UTIB0003445. 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 UTIB0003445 and the beneficiary's account number to complete the transfer.
Online banking and IFSC UTIB0003445
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the SIRAGATE TUMKUR 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 UTIB0003445 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 UTIB0003445 and the account number together uniquely identify the Siragate Tumkur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC UTIB0003445
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 – SIRAGATE TUMKUR, 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:
UTIB0003445. - 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 Siragate Tumkur branch sits at NO 2665 WARD NO 2 SIRA GATE TUMKUR PB NO 62209 SURVEY NO 205 SITE NO 11 SIRA GATE TUMKUR 572102. If you are travelling from outside Tumkur, search for the branch on a maps application using the bank name and locality, or call 816-2252324 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 UTIB0003445 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0003445 for Axis Bank – SIRAGATE TUMKUR, 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 Siragate Tumkur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0003445, however, work 24x7.
Branch address & contact
Axis BankSiragate Tumkur Branch
NO 2665 WARD NO 2 SIRA GATE TUMKUR PB NO 62209 SURVEY NO 205 SITE NO 11 SIRA GATE TUMKUR 572102
Tumkur, Karnataka
Phone: 816-2252324
IFSC: UTIB0003445
Frequently asked questions
What is the phone number of Axis Bank Siragate Tumkur branch?
You can reach the branch at 816-2252324 during regular banking hours.
Is IFSC UTIB0003445 the same for all accounts at Siragate Tumkur branch?
Yes. The IFSC UTIB0003445 is shared by every account held at Axis Bank's Siragate Tumkur branch. Only the account number changes from customer to customer.
What is the IFSC code of Axis Bank Siragate Tumkur branch?
The IFSC code of Axis Bank, Siragate Tumkur branch is UTIB0003445. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UTIB0003445 valid for NEFT and RTGS?
Yes. IFSC UTIB0003445 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Axis Bank Siragate Tumkur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0003445, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Axis Bank Siragate Tumkur branch located?
Axis Bank's Siragate Tumkur branch is located at NO 2665 WARD NO 2 SIRA GATE TUMKUR PB NO 62209 SURVEY NO 205 SITE NO 11 SIRA GATE TUMKUR 572102, Tumkur, Karnataka.
Summary
The IFSC code UTIB0003445 belongs to Axis Bank's SIRAGATE TUMKUR branch, located at NO 2665 WARD NO 2 SIRA GATE TUMKUR PB NO 62209 SURVEY NO 205 SITE NO 11 SIRA… in TUMKUR, 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.
