IFSC Code of Axis Bank, Gajuwaka Branch, Andhra Pradesh

Use this page as a one-stop reference for everything related to Axis Bank's GAJUWAKA branch in VISAKHAPATNAM, ANDHRA PRADESH. The branch's IFSC code UTIB0000075 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, UTIB0000075 is the IFSC of Axis Bank's GAJUWAKA branch. The format is fixed: UTIB = bank code, 0 = reserved, 000075 = branch identifier.

About the bank

Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Gajuwaka branch in Visakhapatnam, Andhra Pradesh is part of this network and uses the IFSC code UTIB0000075 for all electronic settlement.

About this branch

The branch is located at ARJUN ARCADE NH-5 OLD GAJUWAKA,. It serves the Visakhapatnam 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 UTIB0000075 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 GAJUWAKA branch came to be assigned the code UTIB0000075.

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 UTIB0000075, money simply cannot be routed to the GAJUWAKA branch electronically.

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 UTIB0000075 and the account number together uniquely identify the Gajuwaka branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC UTIB0000075

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 UTIB0000075 across all three.

NEFT to Axis Bank, GAJUWAKA using IFSC UTIB0000075

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 UTIB0000075, and confirm that the system picks up Axis Bank – GAJUWAKA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GAJUWAKA

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's GAJUWAKA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0000075 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 – GAJUWAKA, use IMPS. With IFSC UTIB0000075 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 UTIB0000075 for Axis Bank – GAJUWAKA, 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.

For most retail customers crediting the Gajuwaka 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 UTIB0000075

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 – GAJUWAKA is still mapped to IFSC UTIB0000075. 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 UTIB0000075 and the beneficiary's account number to complete the transfer.

Account types you can open at the Gajuwaka branch

Once you have an account at Axis Bank – GAJUWAKA, the IFSC UTIB0000075 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 Gajuwaka 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 UTIB0000075

Online banking and IFSC UTIB0000075

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the GAJUWAKA 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 UTIB0000075 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.

How to reach the Gajuwaka branch

The branch is located at ARJUN ARCADE NH-5 OLD GAJUWAKA,, which puts it inside Visakhapatnam, the broader Vishakapatnam district, and the state of Andhra Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Gajuwaka branch” — the verified location pin for IFSC UTIB0000075 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
3. 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 UTIB0000075 and your account number.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Axis Bank – GAJUWAKA:

• The IFSC is exactly UTIB0000075 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Axis Bank as the bank name and GAJUWAKA as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

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 Gajuwaka branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0000075, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0000075 for Axis Bank – GAJUWAKA, 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 address & contact

Frequently asked questions

Summary

The IFSC code UTIB0000075 belongs to Axis Bank's GAJUWAKA branch, located at ARJUN ARCADE NH-5 OLD GAJUWAKA, in VISAKHAPATNAM, ANDHRA PRADESH. 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.