Axis Bank — UMAMAHESHWARAPURAM

612 103, TAMIL NADU

IFSC Code

UTIB0003724

MICR Code

612211003

Branch

UMAMAHESHWARAPURAM

Bank

Axis Bank

District

KUMBAKONAM

State

TAMIL NADU

Contact

+914352412128

Address

NO.2, GHANDI NAGAR KARIKULAM,KUMBAKONAM MAIN ROAD, UMAMAHESHWARAPURAM

Get Directions to This Branch

Using IFSC UTIB0003724 for money transfers

NEFT transfers to UMAMAHESHWARAPURAM, one of Axis Bank's branches in KUMBAKONAM, are batch-processed rather than instant. Most transfers clear within 30 minutes to a couple of hours during banking hours, and NEFT now runs 24x7 on all days including weekends.

RTGS (Real Time Gross Settlement) is built for high-value transfers — ₹2 lakh and above — and settles individually rather than in batches, so money reaches UMAMAHESHWARAPURAM almost immediately once processed, rather than waiting for the next settlement window.

IMPS is built for urgency: transfers to UMAMAHESHWARAPURAM clear in seconds rather than minutes or hours, and it works around the clock — useful outside NEFT/RTGS's usual processing windows.

NEFT & RTGS Timing — System Hours vs. Branch Hours

A distinction that matters if you're transferring to UMAMAHESHWARAPURAM: the RBI settlement system runs 24x7 for NEFT and RTGS, but that doesn't mean this specific branch is open around the clock. Online transfers process any time; in-person or cash-based requests still depend on the branch actually being open.

MethodSystem HoursIf Visiting UMAMAHESHWARAPURAM In Person
NEFT24x7x365, including weekends and holidays (RBI mandate since 16 Dec 2019)Online/net-banking NEFT processes any time. An in-branch, cash, or cheque-based NEFT request still depends on that branch's working hours.
RTGS24x7x365, including weekends and holidays (RBI mandate since 14 Dec 2020)Minimum transfer amount is ₹2 lakh. Same system-vs-branch-hours distinction as NEFT applies for in-person requests.
IMPS24x7x365 — always has been, no banking-hours restriction at the system level.Typically capped per transaction depending on your bank's own limits (often around ₹5 lakh).

Here's how to send money to UMAMAHESHWARAPURAM using net banking or a UPI app:

  1. Log in to your bank's net banking portal or mobile banking app.
  2. Add a new beneficiary/payee, entering the recipient's full name and account number.
  3. Enter the IFSC code UTIB0003724 when prompted — this routes the transfer to UMAMAHESHWARAPURAM specifically.
  4. Most banks require a short cooling-off period (often a few hours) after adding a new beneficiary before the first transfer.
  5. Once the beneficiary is active, choose NEFT, RTGS, or IMPS based on the amount and how quickly you need it to arrive.
  6. Enter the amount, review the details (name, account number, IFSC), and confirm with your OTP/PIN.

Frequently asked questions

What is the IFSC code of the Axis Bank UMAMAHESHWARAPURAM branch?

The IFSC code for Axis Bank's UMAMAHESHWARAPURAM branch in 612 103, KUMBAKONAM, TAMIL NADU is UTIB0003724. This 11-character code is required for NEFT, RTGS, and IMPS transfers to any account held at this branch.

What is the MICR code of this branch?

The MICR code for this branch is 612211003. MICR codes are used for cheque clearing, while the IFSC code (UTIB0003724) is what's needed for electronic transfers like NEFT and RTGS.

Where is the UMAMAHESHWARAPURAM branch of Axis Bank located?

This branch is located at: NO.2, GHANDI NAGAR KARIKULAM,KUMBAKONAM MAIN ROAD, UMAMAHESHWARAPURAM. It falls under KUMBAKONAM district, TAMIL NADU.

Can I use this IFSC code for both NEFT and RTGS transfers?

Yes — the same IFSC code (UTIB0003724) is used for NEFT, RTGS, and IMPS transfers to this branch. Which one you should pick depends on the amount and urgency, not the code itself: RTGS for ₹2 lakh+ needing near-instant settlement, NEFT for regular batch-processed transfers, and IMPS for smaller amounts that need to land in seconds.

Is there a phone number for this branch?

Yes, this branch's listed contact number is +914352412128.

Other Axis Bank branches in KUMBAKONAM

KUMBAKONAM FOUR ROADSKUMBAKONAM, TAMIL NADU

Axis Bank in other districts of TAMIL NADU

CHENNAI (168)COIMBATORE (33)MADURAI (14)TIRUCHIRAPPALLI (12)SALEM (11)ERODE (8)TIRUPUR (7)VELLORE (7)

IFSC and MICR code data sourced from bank-published branch records. While we take care to keep this current, always confirm the IFSC code with your bank before making a large transfer — see our disclaimer for details.