IFSC Code of Axis Bank, Chikwankalkunta Branch, Karnataka

If you are searching for the IFSC code of Axis Bank, CHIKWANKALKUNTA branch in YALBURGA, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is UTIB0003949. 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 CHIKWANKALKUNTA branch, and detailed step-by-step guides for using the IFSC UTIB0003949 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 CHIKWANKALKUNTA branch, the IFSC UTIB0003949 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 003949 identifies this particular branch.

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Chikwankalkunta branch — IFSC UTIB0003949 — extends the bank's services to customers in and around Yalburga, Karnataka.

About the Chikwankalkunta branch

The Chikwankalkunta branch of Axis Bank is situated at MAIN ROAD, CHIKWANKALKUNTA, TEMPLE COMPLEX, MNEXT TO MARUTI TEMPLE, YALBURGA, KOPPLA DIST, KARNATAKA. 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 UTIB0003949 is used.

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 CHIKWANKALKUNTA branch came to be assigned the code UTIB0003949.

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 UTIB0003949, money simply cannot be routed to the CHIKWANKALKUNTA branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Chikwankalkunta branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0003949 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC UTIB0003949

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 UTIB0003949 across all three.

NEFT to Axis Bank, CHIKWANKALKUNTA using IFSC UTIB0003949

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 UTIB0003949, and confirm that the system picks up Axis Bank – CHIKWANKALKUNTA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CHIKWANKALKUNTA

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's CHIKWANKALKUNTA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0003949 while initiating the transfer and the credit will appear within minutes.

IMPS to Axis Bank CHIKWANKALKUNTA (IFSC UTIB0003949)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0003949 in your mobile or internet banking app, and the money is credited to the CHIKWANKALKUNTA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UTIB0003949 for Axis Bank – CHIKWANKALKUNTA, 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 Chikwankalkunta 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 CHIKWANKALKUNTA branch, the IFSC UTIB0003949 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.

Products and account variants supported

Every account opened at the Chikwankalkunta branch is mapped to IFSC UTIB0003949 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 UTIB0003949.

Products and services

Customers walking into the Chikwankalkunta 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 UTIB0003949

Online banking and IFSC UTIB0003949

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the CHIKWANKALKUNTA 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 UTIB0003949 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 Chikwankalkunta branch

The branch is located at MAIN ROAD, CHIKWANKALKUNTA, TEMPLE COMPLEX, MNEXT TO MARUTI TEMPLE, YALBURGA, KOPPLA DIST, KARNATAKA, which puts it inside Yalburga, the broader Koppal district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Chikwankalkunta branch” — the verified location pin for IFSC UTIB0003949 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 UTIB0003949 and your account number.

Common mistakes to avoid when using IFSC UTIB0003949

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 – CHIKWANKALKUNTA, 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: UTIB0003949.
• 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.

Working hours

Branch counters at Chikwankalkunta 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 UTIB0003949 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0003949 for Axis Bank – CHIKWANKALKUNTA, 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

Final notes

To recap: UTIB0003949 is the IFSC code of Axis Bank, CHIKWANKALKUNTA branch, in YALBURGA, KARNATAKA. 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.