Use this page as a one-stop reference for everything related to Axis Bank's THE PANIPAT URBAN CO OP BANK LTD branch in AMBALA, HARYANA. The branch's IFSC code UTIB0SPUC19 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, UTIB0SPUC19 is the IFSC of Axis Bank's THE PANIPAT URBAN CO OP BANK LTD branch. The format is fixed: UTIB = bank code, 0 = reserved, SPUC19 = branch identifier.
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its The Panipat Urban Co Op Bank Ltd branch in Ambala, Haryana is part of this network and uses the IFSC code UTIB0SPUC19 for all electronic settlement.
About the The Panipat Urban Co Op Bank Ltd branch
The The Panipat Urban Co Op Bank Ltd branch of Axis Bank is situated at AMBALA, PINCODE 133001. 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 UTIB0SPUC19 is used.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | The Panipat Urban Co Op Bank Ltd |
| IFSC Code | UTIB0SPUC19 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AMBALA, PINCODE 133001 |
| City | Ambala |
| District | Ambala |
| State | Haryana |
| STD Code | 180 |
| Phone | 2642918 |
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 PANIPAT URBAN CO OP BANK LTD of Axis Bank — its own 11-character IFSC. The code UTIB0SPUC19 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 UTIB0SPUC19 the same way you would treat your account number — verify it once and save it carefully for future use.
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 UTIB0SPUC19 and the account number together uniquely identify the The Panipat Urban Co Op Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UTIB0SPUC19
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 UTIB0SPUC19 across all three.
NEFT to Axis Bank, THE PANIPAT URBAN CO OP BANK LTD using IFSC UTIB0SPUC19
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 UTIB0SPUC19, and confirm that the system picks up Axis Bank – THE PANIPAT URBAN CO OP BANK LTD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to THE PANIPAT URBAN CO OP BANK LTD
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's THE PANIPAT URBAN CO OP BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0SPUC19 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank THE PANIPAT URBAN CO OP BANK LTD (IFSC UTIB0SPUC19)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0SPUC19 in your mobile or internet banking app, and the money is credited to the THE PANIPAT URBAN CO OP BANK LTD branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0SPUC19 for Axis Bank – THE PANIPAT URBAN CO OP BANK LTD, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – UTIB0SPUC19 | Yes – UTIB0SPUC19 | Yes – UTIB0SPUC19 |
For most retail customers crediting the The Panipat Urban Co Op Bank Ltd 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.
UPI payments and IFSC UTIB0SPUC19
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 – THE PANIPAT URBAN CO OP BANK LTD is still mapped to IFSC UTIB0SPUC19. 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 UTIB0SPUC19 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the The Panipat Urban Co Op Bank Ltd branch is mapped to IFSC UTIB0SPUC19 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 UTIB0SPUC19.
Products and services
Customers walking into the The Panipat Urban Co Op Bank Ltd 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 UTIB0SPUC19
Digital banking channels
Most day-to-day work that customers used to do at the The Panipat Urban Co Op Bank Ltd 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 UTIB0SPUC19 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.
How to reach the The Panipat Urban Co Op Bank Ltd branch
The branch is located at AMBALA, PINCODE 133001, which puts it inside Ambala, the broader Ambala district, and the state of Haryana. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank The Panipat Urban Co Op Bank Ltd branch” — the verified location pin for IFSC UTIB0SPUC19 should appear at the top of the results.
- Confirm the branch is open by calling 180-2642918 before stepping out, especially around public holidays.
- 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 UTIB0SPUC19 and your account number.
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 – THE PANIPAT URBAN CO OP BANK LTD:
- The IFSC is exactly UTIB0SPUC19 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 THE PANIPAT URBAN CO OP BANK LTD 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.
Working hours
Branch counters at The Panipat Urban Co Op Bank Ltd 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 UTIB0SPUC19 continue to work without interruption.
Verifying IFSC UTIB0SPUC19 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 UTIB0SPUC19 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 180-2642918.
- Visiting the bank's official branch locator page.
Branch address & contact
Axis BankThe Panipat Urban Co Op Bank Ltd Branch
AMBALA, PINCODE 133001
Ambala, Haryana
Phone: 180-2642918
IFSC: UTIB0SPUC19
Frequently asked questions
Can I use IFSC UTIB0SPUC19 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0SPUC19 to send funds instantly.
What is the IFSC code of Axis Bank The Panipat Urban Co Op Bank Ltd branch?
The IFSC code of Axis Bank, The Panipat Urban Co Op Bank Ltd branch is UTIB0SPUC19. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Axis Bank The Panipat Urban Co Op Bank Ltd branch located?
Axis Bank's The Panipat Urban Co Op Bank Ltd branch is located at AMBALA, PINCODE 133001, Ambala, Haryana.
Does Axis Bank The Panipat Urban Co Op Bank Ltd branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 180-2642918 to confirm.
What is the phone number of Axis Bank The Panipat Urban Co Op Bank Ltd branch?
You can reach the branch at 180-2642918 during regular banking hours.
How quickly will an NEFT transfer using UTIB0SPUC19 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – The Panipat Urban Co Op Bank Ltd reflect within 30 minutes.
Final notes
To recap: UTIB0SPUC19 is the IFSC code of Axis Bank, THE PANIPAT URBAN CO OP BANK LTD branch, in AMBALA, HARYANA. 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.
