UTIBBranch Code: 003946

Axis Bank IFSC Code

VAIKOM Branch, KOTTAYAM, KOTTAYAM, KERALA

Primary IFSC Code

UTIB0003946

Banking information from our maintained dataset. Last Verified: 23 Sept 2026

The official Indian Financial System Code (IFSC) for Axis Bank, VAIKOM branch in KOTTAYAM, KERALA is UTIB0003946. The MICR code for cheque clearance is 686211602.

Branch Fact Sheet & Electronic Routing Details

Bank Name: Axis Bank
Branch Name: VAIKOM
MICR Code: 686211602
City / District: KOTTAYAM (KOTTAYAM)
State: KERALA
Postal Pincode: N/A

Full Branch Address

ASARIPARAMBIL BLDG, NORTH GATE ROAD, VAIKOM

Contact Details

Phone: +914829223123

How to Read IFSC Code: UTIB0003946

An Indian Financial System Code (IFSC) is a unique 11-character alphanumeric code assigned by the Reserve Bank of India to identify bank branches for electronic payment systems.

UTIBBank Identifier

First 4 alphabetic characters identify Axis Bank.

0Control Character

5th character is always numeral '0', reserved for future use.

003946Branch Code

Last 6 alphanumeric characters identify the specific physical branch.

Payment Systems Supported by this IFSC Code

Payment System	Settlement Time	Minimum Amount	Availability	Ideal For
NEFT (National Electronic Funds Transfer)	Half-hourly batches	₹1 (No minimum)	24x7x365	Routine bills, small & medium transactions
RTGS (Real Time Gross Settlement)	Real-time instant	₹2,00,000	24x7x365	High-value urgent financial transfers
IMPS (Immediate Payment Service)	Immediate	₹1 (Max ₹5 Lakh)	24x7x365	Instant mobile banking & emergency transfers

Both NEFT and RTGS operate around the clock in India. Always double check the 11-digit IFSC code and recipient account number before submitting your transfer.

Frequently Asked Questions: Axis Bank (UTIB0003946)

What is the IFSC Code for Axis Bank VAIKOM branch?

The IFSC Code for Axis Bank VAIKOM branch in KOTTAYAM, KERALA is UTIB0003946. It is used for NEFT, RTGS, and IMPS funds transfer.

What is the address of Axis Bank VAIKOM branch?

The branch is located at: ASARIPARAMBIL BLDG, NORTH GATE ROAD, VAIKOM, KOTTAYAM, KERALA.

What is the MICR Code for Axis Bank VAIKOM?

The MICR Code for electronic cheque clearing at Axis Bank VAIKOM is 686211602.

How can I contact Axis Bank VAIKOM branch?

You can contact the branch at: Phone: +914829223123. For official national customer care, refer to Axis Bank's official banking channels.

How to decipher the IFSC code UTIB0003946?

The first 4 characters 'UTIB' represent Axis Bank. The 5th character is '0' reserved for future use. The last 6 characters '003946' represent the specific VAIKOM branch code.