IFSC Code of Axis Bank, The Bhatkal Urban Cooperative Bank Ltd Main Branch, Karnataka

This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, THE BHATKAL URBAN COOPERATIVE BANK LTD MAIN branch in BHATKAL. The 11-digit IFSC UTIB0SBUCB1 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 BHATKAL URBAN COOPERATIVE BANK LTD MAIN 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 THE BHATKAL URBAN COOPERATIVE BANK LTD MAIN branch, the IFSC UTIB0SBUCB1 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and SBUCB1 identifies this particular branch.

About Axis Bank

Axis Bank operates a wide network of branches across India, including the The Bhatkal Urban Cooperative Bank Ltd Main branch in Bhatkal. 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, UTIB0SBUCB1.

About this branch

The branch is located at 66/1, MAIN ROAD, BHATKAL-581320. It serves the Bhatkal 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 UTIB0SBUCB1 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 BHATKAL URBAN COOPERATIVE BANK LTD MAIN branch came to be assigned the code UTIB0SBUCB1.

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 UTIB0SBUCB1, money simply cannot be routed to the THE BHATKAL URBAN COOPERATIVE BANK LTD MAIN branch electronically.

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 UTIB0SBUCB1 and the account number together uniquely identify the The Bhatkal Urban Cooperative Bank Ltd Main branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC UTIB0SBUCB1

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 UTIB0SBUCB1 across all three.

How to use IFSC UTIB0SBUCB1 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's THE BHATKAL URBAN COOPERATIVE BANK LTD MAIN 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 UTIB0SBUCB1.
4. Confirm the bank name auto-populates as Axis Bank and the branch as THE BHATKAL URBAN COOPERATIVE BANK LTD MAIN.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UTIB0SBUCB1

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 BHATKAL URBAN COOPERATIVE BANK LTD MAIN, ensure your bank's portal accepts IFSC UTIB0SBUCB1 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Axis Bank – THE BHATKAL URBAN COOPERATIVE BANK LTD MAIN, use IMPS. With IFSC UTIB0SBUCB1 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 The Bhatkal Urban Cooperative Bank Ltd Main

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 UTIB0SBUCB1:

• 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 THE BHATKAL URBAN COOPERATIVE BANK LTD MAIN is still linked to IFSC UTIB0SBUCB1.

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 UTIB0SBUCB1

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 BHATKAL URBAN COOPERATIVE BANK LTD MAIN is still mapped to IFSC UTIB0SBUCB1. 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 UTIB0SBUCB1 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the The Bhatkal Urban Cooperative Bank Ltd Main branch is mapped to IFSC UTIB0SBUCB1 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 UTIB0SBUCB1.

Banking services available

The The Bhatkal Urban Cooperative Bank Ltd Main branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• 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 UTIB0SBUCB1

Online banking and IFSC UTIB0SBUCB1

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the THE BHATKAL URBAN COOPERATIVE BANK LTD MAIN 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 UTIB0SBUCB1 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.

Reaching the branch

The The Bhatkal Urban Cooperative Bank Ltd Main branch sits at 66/1, MAIN ROAD, BHATKAL-581320. If you are travelling from outside Bhatkal, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 UTIB0SBUCB1 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 BHATKAL URBAN COOPERATIVE BANK LTD MAIN:

• The IFSC is exactly UTIB0SBUCB1 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 BHATKAL URBAN COOPERATIVE BANK LTD MAIN 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 Bhatkal Urban Cooperative Bank Ltd Main 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 UTIB0SBUCB1 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0SBUCB1 for Axis Bank – THE BHATKAL URBAN COOPERATIVE BANK LTD MAIN, 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.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0SBUCB1 belongs to Axis Bank's THE BHATKAL URBAN COOPERATIVE BANK LTD MAIN branch, located at 66/1, MAIN ROAD, BHATKAL-581320 in BHATKAL, 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.