IFSC Code of Axis Bank, The Bhuj Commercial Co Op Bank Ltd Branch, Gujarat

Below are the complete branch details for Axis Bank, THE BHUJ COMMERCIAL CO OP BANK LTD branch, located in BHUJ, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0BCCB02. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UTIB0BCCB02 for Axis Bank – THE BHUJ COMMERCIAL CO OP BANK LTD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, UTIB0BCCB02 is the IFSC of Axis Bank's THE BHUJ COMMERCIAL CO OP BANK LTD branch. The format is fixed: UTIB = bank code, 0 = reserved, BCCB02 = branch identifier.

Branch details at a glance

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The The Bhuj Commercial Co Op Bank Ltd branch — IFSC UTIB0BCCB02 — extends the bank's services to customers in and around Bhuj, Gujarat.

About this branch

The branch is located at BHID BAZAR BRANCH,NEW WHOLESALE MARKET,TA BHUJ,PIN CODE 370001. It serves the Bhuj 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 UTIB0BCCB02 is used to identify this branch on the RBI payments network.

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 BHUJ COMMERCIAL CO OP BANK LTD branch came to be assigned the code UTIB0BCCB02.

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 UTIB0BCCB02, money simply cannot be routed to the THE BHUJ COMMERCIAL CO OP BANK LTD branch electronically.

How to transfer money using IFSC UTIB0BCCB02

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 UTIB0BCCB02 across all three.

How to use IFSC UTIB0BCCB02 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's THE BHUJ COMMERCIAL CO OP 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 UTIB0BCCB02.
4. Confirm the bank name auto-populates as Axis Bank and the branch as THE BHUJ COMMERCIAL CO OP 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 THE BHUJ COMMERCIAL CO OP BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's THE BHUJ COMMERCIAL CO OP BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0BCCB02 while initiating the transfer and the credit will appear within minutes.

IMPS to Axis Bank THE BHUJ COMMERCIAL CO OP BANK LTD (IFSC UTIB0BCCB02)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0BCCB02 in your mobile or internet banking app, and the money is credited to the THE BHUJ COMMERCIAL CO OP BANK LTD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to The Bhuj Commercial Co Op 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 UTIB0BCCB02:

• 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 BHUJ COMMERCIAL CO OP BANK LTD is still linked to IFSC UTIB0BCCB02.

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 THE BHUJ COMMERCIAL CO OP BANK LTD branch, the IFSC UTIB0BCCB02 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 The Bhuj Commercial Co Op Bank Ltd branch is mapped to IFSC UTIB0BCCB02 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 UTIB0BCCB02.

Banking services available

The The Bhuj Commercial Co Op Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2832-245302.

• 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 UTIB0BCCB02

MICR & cheque-truncation details

Cheques drawn on the The Bhuj Commercial Co Op Bank Ltd branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0BCCB02 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC UTIB0BCCB02

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the THE BHUJ COMMERCIAL CO OP 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 UTIB0BCCB02 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 – THE BHUJ COMMERCIAL CO OP BANK LTD:

• The IFSC is exactly UTIB0BCCB02 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 BHUJ COMMERCIAL 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.

How to reach the The Bhuj Commercial Co Op Bank Ltd branch

The branch is located at BHID BAZAR BRANCH,NEW WHOLESALE MARKET,TA BHUJ,PIN CODE 370001, which puts it inside Bhuj, the broader Kachchh district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank The Bhuj Commercial Co Op Bank Ltd branch” — the verified location pin for IFSC UTIB0BCCB02 should appear at the top of the results.
2. Confirm the branch is open by calling 2832-245302 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 UTIB0BCCB02 and your account number.

Verifying IFSC UTIB0BCCB02 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 UTIB0BCCB02 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2832-245302.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at The Bhuj Commercial 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 UTIB0BCCB02 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0BCCB02 is the IFSC code of Axis Bank, THE BHUJ COMMERCIAL CO OP BANK LTD branch, in BHUJ, GUJARAT. 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.