If you are searching for the IFSC code of Axis Bank, UDWADA branch in UDWADA, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is UTIB0002231. 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 UDWADA branch, and detailed step-by-step guides for using the IFSC UTIB0002231 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.
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 UDWADA branch, the IFSC UTIB0002231 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 002231 identifies this particular branch.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Udwada |
| IFSC Code | UTIB0002231 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, G-1, IRANI COMPLEX, VILLAGE UDWADA, TALUKA PARDI, DIST VALSAD, GUJARAT, PIN- 396 180 |
| City | Udwada |
| District | Navsari |
| State | Gujarat |
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Udwada branch — IFSC UTIB0002231 — extends the bank's services to customers in and around Udwada, Gujarat.
About this branch
The branch is located at GROUND FLOOR, G-1, IRANI COMPLEX, VILLAGE UDWADA, TALUKA PARDI, DIST VALSAD, GUJARAT, PIN- 396 180. It serves the Udwada 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 UTIB0002231 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 UDWADA branch came to be assigned the code UTIB0002231.
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 UTIB0002231, money simply cannot be routed to the UDWADA branch electronically.
How to transfer money using IFSC UTIB0002231
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 UTIB0002231 across all three.
How to use IFSC UTIB0002231 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's UDWADA 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC UTIB0002231.
- Confirm the bank name auto-populates as Axis Bank and the branch as UDWADA.
- 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 UDWADA
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's UDWADA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0002231 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank UDWADA (IFSC UTIB0002231)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0002231 in your mobile or internet banking app, and the money is credited to the UDWADA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Udwada
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC UTIB0002231:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at UDWADA is still linked to IFSC UTIB0002231.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
UPI payments and IFSC UTIB0002231
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 – UDWADA is still mapped to IFSC UTIB0002231. 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 UTIB0002231 and the beneficiary's account number to complete the transfer.
Account types you can open at the Udwada branch
Once you have an account at Axis Bank – UDWADA, the IFSC UTIB0002231 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Udwada branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.
- 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 UTIB0002231
MICR & cheque-truncation details
Cheques drawn on the Udwada branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0002231 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC UTIB0002231
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the UDWADA 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 UTIB0002231 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 UTIB0002231
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 – UDWADA, 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:
UTIB0002231. - 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 Udwada branch
The branch is located at GROUND FLOOR, G-1, IRANI COMPLEX, VILLAGE UDWADA, TALUKA PARDI, DIST VALSAD, GUJARAT, PIN- 396 180, which puts it inside Udwada, the broader Navsari district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Udwada branch” — the verified location pin for IFSC UTIB0002231 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number 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 UTIB0002231 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0002231 for Axis Bank – UDWADA, 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.
Working hours
Branch counters at Udwada 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 UTIB0002231 continue to work without interruption.
Branch address & contact
Axis BankUdwada Branch
GROUND FLOOR, G-1, IRANI COMPLEX, VILLAGE UDWADA, TALUKA PARDI, DIST VALSAD, GUJARAT, PIN- 396 180
Udwada, Gujarat
Phone: the branch contact number
IFSC: UTIB0002231
Frequently asked questions
Is IFSC UTIB0002231 valid for NEFT and RTGS?
Yes. IFSC UTIB0002231 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Axis Bank Udwada branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
How do I add Axis Bank Udwada as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0002231, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Udwada branch but serve different purposes.
Where is Axis Bank Udwada branch located?
Axis Bank's Udwada branch is located at GROUND FLOOR, G-1, IRANI COMPLEX, VILLAGE UDWADA, TALUKA PARDI, DIST VALSAD, GUJARAT, PIN- 396 180, Udwada, Gujarat.
Can I use IFSC UTIB0002231 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0002231 to send funds instantly.
Summary
The IFSC code UTIB0002231 belongs to Axis Bank's UDWADA branch, located at GROUND FLOOR, G-1, IRANI COMPLEX, VILLAGE UDWADA, TALUKA PARDI, DIST … in UDWADA, GUJARAT. 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.
