IFSC Code of Axis Bank, Nagar Sahakari Bank Ltd Branch, Uttar Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, NAGAR SAHAKARI BANK LTD branch in BAGAPAR. The 11-digit IFSC UTIB0SNSB03 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 NAGAR SAHAKARI BANK LTD 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.

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 NAGAR SAHAKARI BANK LTD branch, the IFSC UTIB0SNSB03 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and SNSB03 identifies this particular branch.

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 Nagar Sahakari Bank Ltd branch in Bagapar, Uttar Pradesh is part of this network and uses the IFSC code UTIB0SNSB03 for all electronic settlement.

Nagar Sahakari Bank Ltd branch overview

Located at BAGAPAR ROAD, BAGAPAR, MAHARAJGANJ, UP, the Nagar Sahakari Bank Ltd branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0SNSB03 is required for all interbank electronic transfers routed through this branch.

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 NAGAR SAHAKARI BANK LTD of Axis Bank — its own 11-character IFSC. The code UTIB0SNSB03 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 UTIB0SNSB03 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC UTIB0SNSB03

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 UTIB0SNSB03 across all three.

How to use IFSC UTIB0SNSB03 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's NAGAR SAHAKARI BANK LTD 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UTIB0SNSB03.
4. Confirm the bank name auto-populates as Axis Bank and the branch as NAGAR SAHAKARI BANK LTD.
5. 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 NAGAR SAHAKARI BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's NAGAR SAHAKARI BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0SNSB03 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 – NAGAR SAHAKARI BANK LTD, use IMPS. With IFSC UTIB0SNSB03 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 Nagar Sahakari Bank Ltd

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 UTIB0SNSB03:

• 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 NAGAR SAHAKARI BANK LTD is still linked to IFSC UTIB0SNSB03.

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 NAGAR SAHAKARI BANK LTD branch, the IFSC UTIB0SNSB03 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.

Products and account variants supported

Every account opened at the Nagar Sahakari Bank Ltd branch is mapped to IFSC UTIB0SNSB03 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 UTIB0SNSB03.

Products and services

Customers walking into the Nagar Sahakari 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 UTIB0SNSB03

MICR & cheque-truncation details

Cheques drawn on the Nagar Sahakari Bank Ltd branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0SNSB03 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC UTIB0SNSB03

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the NAGAR SAHAKARI BANK LTD 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 UTIB0SNSB03 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 – NAGAR SAHAKARI BANK LTD:

• The IFSC is exactly UTIB0SNSB03 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 NAGAR SAHAKARI 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.

How to reach the Nagar Sahakari Bank Ltd branch

The branch is located at BAGAPAR ROAD, BAGAPAR, MAHARAJGANJ, UP, which puts it inside Bagapar, the broader Maharajganj district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Nagar Sahakari Bank Ltd branch” — the verified location pin for IFSC UTIB0SNSB03 should appear at the top of the results.
2. Confirm the branch is open by calling 5523-223328 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 UTIB0SNSB03 and your account number.

Verifying IFSC UTIB0SNSB03 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 UTIB0SNSB03 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 5523-223328.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Nagar Sahakari 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 UTIB0SNSB03 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0SNSB03 belongs to Axis Bank's NAGAR SAHAKARI BANK LTD branch, located at BAGAPAR ROAD, BAGAPAR, MAHARAJGANJ, UP in BAGAPAR, 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.