IFSC Code of Axis Bank, Alapuzha District Cooperative Bank Branch, Kerala

Below are the complete branch details for Axis Bank, ALAPUZHA DISTRICT COOPERATIVE BANK branch, located in ALAPPUZHA, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0SADC83. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UTIB0SADC83 for Axis Bank – ALAPUZHA DISTRICT COOPERATIVE BANK — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, UTIB0SADC83 is the IFSC of Axis Bank's ALAPUZHA DISTRICT COOPERATIVE BANK branch. The format is fixed: UTIB = bank code, 0 = reserved, SADC83 = branch identifier.

Branch details at a glance

About the bank

Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Alapuzha District Cooperative Bank branch in Alappuzha, Kerala is part of this network and uses the IFSC code UTIB0SADC83 for all electronic settlement.

About this branch

The branch is located at MUNICIPAL WARD P.B NO.104 OPP.TOWNHALL,ALAPPUZHA,KERALA. It serves the Alappuzha region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Axis Bank. The IFSC UTIB0SADC83 is used to identify this branch on the RBI payments network.

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 ALAPUZHA DISTRICT COOPERATIVE BANK branch came to be assigned the code UTIB0SADC83.

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 UTIB0SADC83, money simply cannot be routed to the ALAPUZHA DISTRICT COOPERATIVE BANK branch electronically.

How to transfer money using IFSC UTIB0SADC83

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 UTIB0SADC83 across all three.

NEFT to Axis Bank, ALAPUZHA DISTRICT COOPERATIVE BANK using IFSC UTIB0SADC83

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC UTIB0SADC83, and confirm that the system picks up Axis Bank – ALAPUZHA DISTRICT COOPERATIVE BANK. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to ALAPUZHA DISTRICT COOPERATIVE BANK

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's ALAPUZHA DISTRICT COOPERATIVE BANK branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0SADC83 while initiating the transfer and the credit will appear within minutes.

IMPS to Axis Bank ALAPUZHA DISTRICT COOPERATIVE BANK (IFSC UTIB0SADC83)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0SADC83 in your mobile or internet banking app, and the money is credited to the ALAPUZHA DISTRICT COOPERATIVE BANK branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Alapuzha District Cooperative Bank

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 UTIB0SADC83:

• 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 ALAPUZHA DISTRICT COOPERATIVE BANK is still linked to IFSC UTIB0SADC83.

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 UTIB0SADC83

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 – ALAPUZHA DISTRICT COOPERATIVE BANK is still mapped to IFSC UTIB0SADC83. 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 UTIB0SADC83 and the beneficiary's account number to complete the transfer.

Account types you can open at the Alapuzha District Cooperative Bank branch

Once you have an account at Axis Bank – ALAPUZHA DISTRICT COOPERATIVE BANK, the IFSC UTIB0SADC83 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Alapuzha District Cooperative 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 UTIB0SADC83

MICR & cheque-truncation details

Cheques drawn on the Alapuzha District Cooperative Bank branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0SADC83 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Alapuzha District Cooperative Bank branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC UTIB0SADC83 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

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 – ALAPUZHA DISTRICT COOPERATIVE BANK:

• The IFSC is exactly UTIB0SADC83 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 ALAPUZHA DISTRICT COOPERATIVE BANK 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.

How to reach the Alapuzha District Cooperative Bank branch

The branch is located at MUNICIPAL WARD P.B NO.104 OPP.TOWNHALL,ALAPPUZHA,KERALA, which puts it inside Alappuzha, the broader Alapuzha district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Alapuzha District Cooperative Bank branch” — the verified location pin for IFSC UTIB0SADC83 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 UTIB0SADC83 and your account number.

Verifying IFSC UTIB0SADC83 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 UTIB0SADC83 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on the branch contact number.
• 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 Alapuzha District Cooperative Bank branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0SADC83, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0SADC83 is the IFSC code of Axis Bank, ALAPUZHA DISTRICT COOPERATIVE BANK branch, in ALAPPUZHA, KERALA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.