IFSC Code of Axis Bank, The Mansa Nagrik Sahkari Bank Branch, Gujarat

If you are searching for the IFSC code of Axis Bank, THE MANSA NAGRIK SAHKARI BANK branch in AHMEDABAD, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is UTIB0SMNS03. 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 THE MANSA NAGRIK SAHKARI BANK branch, and detailed step-by-step guides for using the IFSC UTIB0SMNS03 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 THE MANSA NAGRIK SAHKARI BANK branch, the IFSC UTIB0SMNS03 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and SMNS03 identifies this particular branch.

Branch details at a glance

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The The Mansa Nagrik Sahkari Bank branch — IFSC UTIB0SMNS03 — extends the bank's services to customers in and around Ahmedabad, Gujarat.

About the The Mansa Nagrik Sahkari Bank branch

The The Mansa Nagrik Sahkari Bank branch of Axis Bank is situated at 1ST FLOOR, GREEN COMPLEX, OPP, RAJASTHAN HOSPITAL, SAHIBAUG, AHMEDABAD, 380004. 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 UTIB0SMNS03 is used.

Why every Axis Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including THE MANSA NAGRIK SAHKARI BANK of Axis Bank — its own 11-character IFSC. The code UTIB0SMNS03 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC UTIB0SMNS03 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC UTIB0SMNS03

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 UTIB0SMNS03 across all three.

How to use IFSC UTIB0SMNS03 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's THE MANSA NAGRIK SAHKARI BANK branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UTIB0SMNS03.
4. Confirm the bank name auto-populates as Axis Bank and the branch as THE MANSA NAGRIK SAHKARI BANK.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UTIB0SMNS03

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Axis Bank – THE MANSA NAGRIK SAHKARI BANK, ensure your bank's portal accepts IFSC UTIB0SMNS03 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Axis Bank THE MANSA NAGRIK SAHKARI BANK (IFSC UTIB0SMNS03)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0SMNS03 in your mobile or internet banking app, and the money is credited to the THE MANSA NAGRIK SAHKARI BANK branch account within seconds.

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

All three modes accept the IFSC UTIB0SMNS03 for Axis Bank – THE MANSA NAGRIK SAHKARI BANK, 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 The Mansa Nagrik Sahkari Bank 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 THE MANSA NAGRIK SAHKARI BANK branch, the IFSC UTIB0SMNS03 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 The Mansa Nagrik Sahkari Bank branch is mapped to IFSC UTIB0SMNS03 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 UTIB0SMNS03.

Products and services

Customers walking into the The Mansa Nagrik Sahkari Bank 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 UTIB0SMNS03

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 UTIB0SMNS03 and the account number together uniquely identify the The Mansa Nagrik Sahkari Bank branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC UTIB0SMNS03

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the THE MANSA NAGRIK SAHKARI BANK 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 UTIB0SMNS03 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.

Common mistakes to avoid when using IFSC UTIB0SMNS03

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 – THE MANSA NAGRIK SAHKARI BANK, 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: UTIB0SMNS03.
• 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.

How to reach the The Mansa Nagrik Sahkari Bank branch

The branch is located at 1ST FLOOR, GREEN COMPLEX, OPP, RAJASTHAN HOSPITAL, SAHIBAUG, AHMEDABAD, 380004, which puts it inside Ahmedabad, the broader Ahmadabad district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank The Mansa Nagrik Sahkari Bank branch” — the verified location pin for IFSC UTIB0SMNS03 should appear at the top of the results.
2. Confirm the branch is open by calling 79-22860765 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 UTIB0SMNS03 and your account number.

Verifying IFSC UTIB0SMNS03 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm UTIB0SMNS03 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 79-22860765.
• Visiting the bank's official branch locator page.

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 The Mansa Nagrik Sahkari Bank branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0SMNS03, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0SMNS03 belongs to Axis Bank's THE MANSA NAGRIK SAHKARI BANK branch, located at 1ST FLOOR, GREEN COMPLEX, OPP, RAJASTHAN HOSPITAL, SAHIBAUG, AHMEDABAD, 380004 in AHMEDABAD, GUJARAT. 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.