IFSC Code of Axis Bank, Kittur Channamma Mahila Sahakari Bank Branch, Karnataka

If you are searching for the IFSC code of Axis Bank, KITTUR CHANNAMMA MAHILA SAHAKARI BANK branch in BAGALKOT, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is UTIB0SKCMBK. 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 KITTUR CHANNAMMA MAHILA SAHAKARI BANK branch, and detailed step-by-step guides for using the IFSC UTIB0SKCMBK 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 KITTUR CHANNAMMA MAHILA SAHAKARI BANK branch, the IFSC UTIB0SKCMBK breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and SKCMBK identifies this particular branch.

About Axis Bank

Axis Bank operates a wide network of branches across India, including the Kittur Channamma Mahila Sahakari Bank branch in Bagalkot. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UTIB0SKCMBK.

Branch details at a glance

About this branch

The branch is located at SHIVANAND GIN AND PRESS COMPOUND BAGALKOT 587101. It serves the Bagalkot 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 UTIB0SKCMBK is used to identify this branch on the RBI payments network.

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 KITTUR CHANNAMMA MAHILA SAHAKARI BANK of Axis Bank — its own 11-character IFSC. The code UTIB0SKCMBK 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 UTIB0SKCMBK the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Kittur Channamma Mahila Sahakari Bank branch

Once you have an account at Axis Bank – KITTUR CHANNAMMA MAHILA SAHAKARI BANK, the IFSC UTIB0SKCMBK 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 Kittur Channamma Mahila Sahakari 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 UTIB0SKCMBK

How to transfer money using IFSC UTIB0SKCMBK

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 UTIB0SKCMBK across all three.

NEFT to Axis Bank, KITTUR CHANNAMMA MAHILA SAHAKARI BANK using IFSC UTIB0SKCMBK

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 UTIB0SKCMBK, and confirm that the system picks up Axis Bank – KITTUR CHANNAMMA MAHILA SAHAKARI BANK. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UTIB0SKCMBK

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 – KITTUR CHANNAMMA MAHILA SAHAKARI BANK, ensure your bank's portal accepts IFSC UTIB0SKCMBK while registering the beneficiary. RTGS is also available 24x7.

IMPS to Axis Bank KITTUR CHANNAMMA MAHILA SAHAKARI BANK (IFSC UTIB0SKCMBK)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0SKCMBK in your mobile or internet banking app, and the money is credited to the KITTUR CHANNAMMA MAHILA SAHAKARI BANK branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kittur Channamma Mahila Sahakari 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 UTIB0SKCMBK:

• 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 KITTUR CHANNAMMA MAHILA SAHAKARI BANK is still linked to IFSC UTIB0SKCMBK.

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.

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 KITTUR CHANNAMMA MAHILA SAHAKARI BANK branch, the IFSC UTIB0SKCMBK 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.

Digital banking channels

Most day-to-day work that customers used to do at the Kittur Channamma Mahila Sahakari 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 UTIB0SKCMBK 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.

MICR & cheque-truncation details

Cheques drawn on the Kittur Channamma Mahila Sahakari Bank branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0SKCMBK for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – KITTUR CHANNAMMA MAHILA SAHAKARI BANK:

• The IFSC is exactly UTIB0SKCMBK 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 KITTUR CHANNAMMA MAHILA SAHAKARI 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 Kittur Channamma Mahila Sahakari Bank branch

The branch is located at SHIVANAND GIN AND PRESS COMPOUND BAGALKOT 587101, which puts it inside Bagalkot, the broader Bagalkot district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Kittur Channamma Mahila Sahakari Bank branch” — the verified location pin for IFSC UTIB0SKCMBK should appear at the top of the results.
2. Confirm the branch is open by calling 8354-223916 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 UTIB0SKCMBK and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0SKCMBK for Axis Bank – KITTUR CHANNAMMA MAHILA SAHAKARI BANK, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Working hours

Branch counters at Kittur Channamma Mahila Sahakari Bank 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 UTIB0SKCMBK continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0SKCMBK belongs to Axis Bank's KITTUR CHANNAMMA MAHILA SAHAKARI BANK branch, located at SHIVANAND GIN AND PRESS COMPOUND BAGALKOT 587101 in BAGALKOT, KARNATAKA. 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.