Use this page as a one-stop reference for everything related to Axis Bank's MAHOBA URBAN CO OPERATIVE BANK,MAHOBA branch in AJNAR, UTTAR PRADESH. The branch's IFSC code UTIB0SMUC12 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, UTIB0SMUC12 is the IFSC of Axis Bank's MAHOBA URBAN CO OPERATIVE BANK,MAHOBA branch. The format is fixed: UTIB = bank code, 0 = reserved, SMUC12 = branch identifier.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Mahoba Urban Co Operative Bank,Mahoba |
| IFSC Code | UTIB0SMUC12 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SUBHASH POLICE CHOWKI MAHOBA-210427 |
| City | Ajnar |
| District | Mahoba |
| State | Uttar Pradesh |
| STD Code | 0 |
| Phone | 0 |
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Mahoba Urban Co Operative Bank,Mahoba branch — IFSC UTIB0SMUC12 — extends the bank's services to customers in and around Ajnar, Uttar Pradesh.
About the Mahoba Urban Co Operative Bank,Mahoba branch
The Mahoba Urban Co Operative Bank,Mahoba branch of Axis Bank is situated at SUBHASH POLICE CHOWKI MAHOBA-210427. 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 UTIB0SMUC12 is used.
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 MAHOBA URBAN CO OPERATIVE BANK,MAHOBA branch came to be assigned the code UTIB0SMUC12.
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 UTIB0SMUC12, money simply cannot be routed to the MAHOBA URBAN CO OPERATIVE BANK,MAHOBA branch electronically.
How to transfer money using IFSC UTIB0SMUC12
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 UTIB0SMUC12 across all three.
How to use IFSC UTIB0SMUC12 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's MAHOBA URBAN CO OPERATIVE BANK,MAHOBA 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC UTIB0SMUC12.
- Confirm the bank name auto-populates as Axis Bank and the branch as MAHOBA URBAN CO OPERATIVE BANK,MAHOBA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to MAHOBA URBAN CO OPERATIVE BANK,MAHOBA
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's MAHOBA URBAN CO OPERATIVE BANK,MAHOBA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0SMUC12 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – MAHOBA URBAN CO OPERATIVE BANK,MAHOBA, use IMPS. With IFSC UTIB0SMUC12 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Mahoba Urban Co Operative Bank,Mahoba
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC UTIB0SMUC12:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at MAHOBA URBAN CO OPERATIVE BANK,MAHOBA is still linked to IFSC UTIB0SMUC12.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
UPI payments and IFSC UTIB0SMUC12
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Axis Bank – MAHOBA URBAN CO OPERATIVE BANK,MAHOBA is still mapped to IFSC UTIB0SMUC12. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC UTIB0SMUC12 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Mahoba Urban Co Operative Bank,Mahoba branch is mapped to IFSC UTIB0SMUC12 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 UTIB0SMUC12.
Products and services
Customers walking into the Mahoba Urban Co Operative Bank,Mahoba 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 UTIB0SMUC12
MICR & cheque-truncation details
Cheques drawn on the Mahoba Urban Co Operative Bank,Mahoba branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0SMUC12 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC UTIB0SMUC12
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the MAHOBA URBAN CO OPERATIVE BANK,MAHOBA 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 UTIB0SMUC12 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.
Things to verify before sending money
Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Axis Bank – MAHOBA URBAN CO OPERATIVE BANK,MAHOBA:
- The IFSC is exactly UTIB0SMUC12 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills Axis Bank as the bank name and MAHOBA URBAN CO OPERATIVE BANK,MAHOBA as the branch.
- The amount and the purpose of payment are correct.
- You have a valid OTP-verifying mobile number on hand.
A 30-second review here saves hours of reconciliation later.
Reaching the branch
The Mahoba Urban Co Operative Bank,Mahoba branch sits at SUBHASH POLICE CHOWKI MAHOBA-210427. If you are travelling from outside Ajnar, search for the branch on a maps application using the bank name and locality, or call 0 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC UTIB0SMUC12 and your account number.
Verifying IFSC UTIB0SMUC12 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 UTIB0SMUC12 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 0.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Mahoba Urban Co Operative Bank,Mahoba 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 UTIB0SMUC12 continue to work without interruption.
Branch address & contact
Axis BankMahoba Urban Co Operative Bank,Mahoba Branch
SUBHASH POLICE CHOWKI MAHOBA-210427
Ajnar, Uttar Pradesh
Phone: 0
IFSC: UTIB0SMUC12
Frequently asked questions
Is IFSC UTIB0SMUC12 the same for all accounts at Mahoba Urban Co Operative Bank,Mahoba branch?
Yes. The IFSC UTIB0SMUC12 is shared by every account held at Axis Bank's Mahoba Urban Co Operative Bank,Mahoba branch. Only the account number changes from customer to customer.
Where is Axis Bank Mahoba Urban Co Operative Bank,Mahoba branch located?
Axis Bank's Mahoba Urban Co Operative Bank,Mahoba branch is located at SUBHASH POLICE CHOWKI MAHOBA-210427, Ajnar, Uttar Pradesh.
How do I add Axis Bank Mahoba Urban Co Operative Bank,Mahoba as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0SMUC12, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UTIB0SMUC12 valid for NEFT and RTGS?
Yes. IFSC UTIB0SMUC12 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Axis Bank Mahoba Urban Co Operative Bank,Mahoba branch?
You can reach the branch at 0 during regular banking hours.
Does Axis Bank Mahoba Urban Co Operative Bank,Mahoba branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 0 to confirm.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Mahoba Urban Co Operative Bank,Mahoba branch but serve different purposes.
Summary
The IFSC code UTIB0SMUC12 belongs to Axis Bank's MAHOBA URBAN CO OPERATIVE BANK,MAHOBA branch, located at SUBHASH POLICE CHOWKI MAHOBA-210427 in AJNAR, UTTAR PRADESH. 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.
