This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, THE ANKOLA URBAN COOPERATIVE BANK branch in ANKOLA. The 11-digit IFSC UTIB0STAUCB uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Axis Bank at the THE ANKOLA URBAN COOPERATIVE BANK location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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, UTIB0STAUCB is the IFSC of Axis Bank's THE ANKOLA URBAN COOPERATIVE BANK branch. The format is fixed: UTIB = bank code, 0 = reserved, STAUCB = branch identifier.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | The Ankola Urban Cooperative Bank |
| IFSC Code | UTIB0STAUCB |
| MICR Code | Refer to cheque leaf |
| Branch Address | 2959, HEAD OFFICE BRANCH, MAIN ROAD, POST BOX NO 1, ANKOLA 581314 |
| City | Ankola |
| District | Uttar Kannad |
| State | Karnataka |
| STD Code | 8388 |
| Phone | 232229 |
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its The Ankola Urban Cooperative Bank branch in Ankola, Karnataka is part of this network and uses the IFSC code UTIB0STAUCB for all electronic settlement.
The Ankola Urban Cooperative Bank branch overview
Located at 2959, HEAD OFFICE BRANCH, MAIN ROAD, POST BOX NO 1, ANKOLA 581314, the The Ankola Urban Cooperative Bank branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0STAUCB is required for all interbank electronic transfers routed through this branch.
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 THE ANKOLA URBAN COOPERATIVE BANK branch came to be assigned the code UTIB0STAUCB.
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 UTIB0STAUCB, money simply cannot be routed to the THE ANKOLA URBAN COOPERATIVE BANK branch electronically.
How to transfer money using IFSC UTIB0STAUCB
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 UTIB0STAUCB across all three.
NEFT to Axis Bank, THE ANKOLA URBAN COOPERATIVE BANK using IFSC UTIB0STAUCB
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 UTIB0STAUCB, and confirm that the system picks up Axis Bank – THE ANKOLA URBAN COOPERATIVE BANK. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0STAUCB
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 ANKOLA URBAN COOPERATIVE BANK, ensure your bank's portal accepts IFSC UTIB0STAUCB while registering the beneficiary. RTGS is also available 24x7.
IMPS to Axis Bank THE ANKOLA URBAN COOPERATIVE BANK (IFSC UTIB0STAUCB)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0STAUCB in your mobile or internet banking app, and the money is credited to the THE ANKOLA URBAN COOPERATIVE BANK branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0STAUCB for Axis Bank – THE ANKOLA URBAN COOPERATIVE 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.
| 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 – UTIB0STAUCB | Yes – UTIB0STAUCB | Yes – UTIB0STAUCB |
For most retail customers crediting the The Ankola Urban Cooperative 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.
UPI payments and IFSC UTIB0STAUCB
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 ANKOLA URBAN COOPERATIVE BANK is still mapped to IFSC UTIB0STAUCB. 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 UTIB0STAUCB and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the The Ankola Urban Cooperative Bank branch is mapped to IFSC UTIB0STAUCB 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 UTIB0STAUCB.
Banking services available
The The Ankola Urban Cooperative Bank branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8388-232229.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC UTIB0STAUCB
MICR & cheque-truncation details
Cheques drawn on the The Ankola Urban Cooperative Bank branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0STAUCB 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 The Ankola Urban 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 UTIB0STAUCB 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.
Common mistakes to avoid when using IFSC UTIB0STAUCB
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 ANKOLA URBAN COOPERATIVE 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:
UTIB0STAUCB. - 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.
Reaching the branch
The The Ankola Urban Cooperative Bank branch sits at 2959, HEAD OFFICE BRANCH, MAIN ROAD, POST BOX NO 1, ANKOLA 581314. If you are travelling from outside Ankola, search for the branch on a maps application using the bank name and locality, or call 8388-232229 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 UTIB0STAUCB and your account number.
Verifying IFSC UTIB0STAUCB 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 UTIB0STAUCB by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8388-232229.
- 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 Ankola Urban Cooperative Bank branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0STAUCB, however, work 24x7.
Branch address & contact
Axis BankThe Ankola Urban Cooperative Bank Branch
2959, HEAD OFFICE BRANCH, MAIN ROAD, POST BOX NO 1, ANKOLA 581314
Ankola, Karnataka
Phone: 8388-232229
IFSC: UTIB0STAUCB
Frequently asked questions
How quickly will an NEFT transfer using UTIB0STAUCB be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – The Ankola Urban Cooperative Bank reflect within 30 minutes.
How do I add Axis Bank The Ankola Urban Cooperative Bank as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0STAUCB, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Axis Bank The Ankola Urban Cooperative Bank branch located?
Axis Bank's The Ankola Urban Cooperative Bank branch is located at 2959, HEAD OFFICE BRANCH, MAIN ROAD, POST BOX NO 1, ANKOLA 581314, Ankola, Karnataka.
Is IFSC UTIB0STAUCB the same for all accounts at The Ankola Urban Cooperative Bank branch?
Yes. The IFSC UTIB0STAUCB is shared by every account held at Axis Bank's The Ankola Urban Cooperative Bank branch. Only the account number changes from customer to customer.
Does Axis Bank The Ankola Urban Cooperative Bank branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 8388-232229 to confirm.
Can I use IFSC UTIB0STAUCB for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0STAUCB to send funds instantly.
Final notes
To recap: UTIB0STAUCB is the IFSC code of Axis Bank, THE ANKOLA URBAN COOPERATIVE BANK branch, in ANKOLA, KARNATAKA. 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.
