UTIB0003946 — Axis Bank, Vaikom
UTIB0003946 is the IFSC code of Axis Bank, Vaikom branch, Kottayam, Kerala. MICR 686211602. NEFT yes, RTGS yes, IMPS yes.
| IFSC code | UTIB0003946 |
|---|---|
| Bank | Axis Bank |
| Branch | Vaikom |
| Address | ASARIPARAMBIL BLDG, NORTH GATE ROAD, VAIKOM |
| City | Kottayam |
| District | Kottayam |
| State | Kerala |
| MICR code | 686211602 |
| SWIFT code | — |
| Phone | +914829223123 |
| NEFT | Yes |
| RTGS | Yes |
| IMPS | Yes |
| UPI | Yes |
Source: Reserve Bank of India IFSC/MICR list, as compiled by the open-source Razorpay IFSC dataset (MIT licence), updated 08 Nov 2026. Always confirm the IFSC with your bank before sending money.
Other Axis Bank branches in Kottayam
- Changanasseri — UTIB0001648
- Chingavanam — UTIB0004261
- Ettumanoor — UTIB0003213
- Kanjikuzhi — UTIB0003558
- Kanjirappally — UTIB0003254
- Karukachal — UTIB0004273
- Kattappana — UTIB0004521
- Koothattukulam — UTIB0004274
- Kottayam — UTIB0000051
- Kumaranalloor — UTIB0006268
- Kuravilangad — UTIB0004027
- Manarcad — UTIB0004419
How to read IFSC UTIB0003946
| Part | Meaning |
|---|---|
| UTIB | Bank code – Axis Bank |
| 0 | Fifth character, always zero (kept for future use) |
| 003946 | Branch code – Vaikom, Kottayam |
The MICR code 686211602 is printed at the bottom of cheques from this branch: 686 is the city code, 211 the bank code and 602 the branch code. MICR is used only for cheque clearing; online transfers need the IFSC.
Sending money to Axis Bank, Vaikom
Payments this branch can receive using IFSC UTIB0003946:
- NEFT – available 24×7, all days; RBI sets no minimum or maximum amount (your bank may set its own limit).
- RTGS – for ₹2 lakh and above, settled in real time, 24×7.
- IMPS – instant transfer 24×7, usually up to ₹5 lakh per transaction.
- UPI – accounts at this branch can be linked to UPI apps.
To pay someone here you need their account number, the account holder’s name and the IFSC UTIB0003946.
Questions about IFSC UTIB0003946
What is the IFSC code of Axis Bank, Vaikom branch?
The IFSC code of Axis Bank, Vaikom branch (Kottayam, Kerala) is UTIB0003946.
What is the MICR code of Axis Bank, Vaikom?
The MICR code of this branch is 686211602.
Where is Axis Bank, Vaikom branch located?
The branch address is ASARIPARAMBIL BLDG, NORTH GATE ROAD, VAIKOM (Kerala).
Does UTIB0003946 support RTGS and NEFT?
NEFT: yes. RTGS: yes. IMPS: yes (as per the RBI list in our records).
Income tax refund not received?
A refund fails when the bank account on the income tax portal is not pre-validated or the IFSC has changed after a bank merger. We fix the account, raise a refund re-issue request and follow up — online, anywhere in India.