Use this page as a one-stop reference for everything related to Axis Bank's KALADARSHAN CHARRASTA VADODARA branch in VADODARA, GUJARAT. The branch's IFSC code UTIB0003495 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.
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, UTIB0003495 is the IFSC of Axis Bank's KALADARSHAN CHARRASTA VADODARA branch. The format is fixed: UTIB = bank code, 0 = reserved, 003495 = branch identifier.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Kaladarshan Charrasta Vadodara |
| IFSC Code | UTIB0003495 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GR FLR TRUPT SHOP NOS 8 9 OPP BARODA PUBLIC SCHL NR D MART KALADARSHAN CHAR RASTA VADODARA 390019 |
| City | Vadodara |
| District | Vadodara |
| State | Gujarat |
| STD Code | 265 |
| Phone | 2581421 |
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Kaladarshan Charrasta Vadodara branch in Vadodara. 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, UTIB0003495.
About the Kaladarshan Charrasta Vadodara branch
The Kaladarshan Charrasta Vadodara branch of Axis Bank is situated at GR FLR TRUPT SHOP NOS 8 9 OPP BARODA PUBLIC SCHL NR D MART KALADARSHAN CHAR RASTA VADODARA 390019. 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 UTIB0003495 is used.
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 KALADARSHAN CHARRASTA VADODARA branch came to be assigned the code UTIB0003495.
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 UTIB0003495, money simply cannot be routed to the KALADARSHAN CHARRASTA VADODARA branch electronically.
How to transfer money using IFSC UTIB0003495
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 UTIB0003495 across all three.
NEFT to Axis Bank, KALADARSHAN CHARRASTA VADODARA using IFSC UTIB0003495
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 UTIB0003495, and confirm that the system picks up Axis Bank – KALADARSHAN CHARRASTA VADODARA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KALADARSHAN CHARRASTA VADODARA
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's KALADARSHAN CHARRASTA VADODARA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0003495 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – KALADARSHAN CHARRASTA VADODARA, use IMPS. With IFSC UTIB0003495 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 UTIB0003495 for Axis Bank – KALADARSHAN CHARRASTA VADODARA, 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 – UTIB0003495 | Yes – UTIB0003495 | Yes – UTIB0003495 |
For most retail customers crediting the Kaladarshan Charrasta Vadodara 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 KALADARSHAN CHARRASTA VADODARA branch, the IFSC UTIB0003495 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.
Account types you can open at the Kaladarshan Charrasta Vadodara branch
Once you have an account at Axis Bank – KALADARSHAN CHARRASTA VADODARA, the IFSC UTIB0003495 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 Kaladarshan Charrasta Vadodara branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 265-2581421.
- 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 UTIB0003495
MICR & cheque-truncation details
Cheques drawn on the Kaladarshan Charrasta Vadodara branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0003495 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Kaladarshan Charrasta Vadodara branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC UTIB0003495 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
Common mistakes to avoid when using IFSC UTIB0003495
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 – KALADARSHAN CHARRASTA VADODARA, 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:
UTIB0003495. - 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 Kaladarshan Charrasta Vadodara branch sits at GR FLR TRUPT SHOP NOS 8 9 OPP BARODA PUBLIC SCHL NR D MART KALADARSHAN CHAR RASTA VADODARA 390019. If you are travelling from outside Vadodara, search for the branch on a maps application using the bank name and locality, or call 265-2581421 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 UTIB0003495 and your account number.
Verifying IFSC UTIB0003495 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 UTIB0003495 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 265-2581421.
- Visiting the bank's official branch locator page.
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 Kaladarshan Charrasta Vadodara branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0003495, however, work 24x7.
Branch address & contact
Axis BankKaladarshan Charrasta Vadodara Branch
GR FLR TRUPT SHOP NOS 8 9 OPP BARODA PUBLIC SCHL NR D MART KALADARSHAN CHAR RASTA VADODARA 390019
Vadodara, Gujarat
Phone: 265-2581421
IFSC: UTIB0003495
Frequently asked questions
How quickly will an NEFT transfer using UTIB0003495 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Kaladarshan Charrasta Vadodara reflect within 30 minutes.
What is the IFSC code of Axis Bank Kaladarshan Charrasta Vadodara branch?
The IFSC code of Axis Bank, Kaladarshan Charrasta Vadodara branch is UTIB0003495. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Kaladarshan Charrasta Vadodara branch but serve different purposes.
Can I use IFSC UTIB0003495 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0003495 to send funds instantly.
Is IFSC UTIB0003495 the same for all accounts at Kaladarshan Charrasta Vadodara branch?
Yes. The IFSC UTIB0003495 is shared by every account held at Axis Bank's Kaladarshan Charrasta Vadodara branch. Only the account number changes from customer to customer.
Where is Axis Bank Kaladarshan Charrasta Vadodara branch located?
Axis Bank's Kaladarshan Charrasta Vadodara branch is located at GR FLR TRUPT SHOP NOS 8 9 OPP BARODA PUBLIC SCHL NR D MART KALADARSHAN CHAR RASTA VADODARA 390019, Vadodara, Gujarat.
Summary
The IFSC code UTIB0003495 belongs to Axis Bank's KALADARSHAN CHARRASTA VADODARA branch, located at GR FLR TRUPT SHOP NOS 8 9 OPP BARODA PUBLIC SCHL NR D MART KALADARSHAN CHAR… in VADODARA, 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.
