IFSC Code of Axis Bank, Chaitanya Mahila Co Op Bank Ltd Branch, Karnataka

This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, CHAITANYA MAHILA CO OP BANK LTD branch in BIJAPUR. The 11-digit IFSC UTIB0SCHAIT 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 CHAITANYA MAHILA CO OP 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.

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, UTIB0SCHAIT is the IFSC of Axis Bank's CHAITANYA MAHILA CO OP BANK LTD branch. The format is fixed: UTIB = bank code, 0 = reserved, SCHAIT = branch identifier.

About the bank

Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Chaitanya Mahila Co Op Bank Ltd branch in Bijapur, Karnataka is part of this network and uses the IFSC code UTIB0SCHAIT for all electronic settlement.

Chaitanya Mahila Co Op Bank Ltd branch overview

Located at MIRDE GALLI NEAR MEENAXI CHOWK BIJAPUR 586101, the Chaitanya Mahila Co Op 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 UTIB0SCHAIT is required for all interbank electronic transfers routed through this branch.

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 CHAITANYA MAHILA CO OP BANK LTD branch came to be assigned the code UTIB0SCHAIT.

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 UTIB0SCHAIT, money simply cannot be routed to the CHAITANYA MAHILA CO OP BANK LTD branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Chaitanya Mahila 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 UTIB0SCHAIT for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC UTIB0SCHAIT

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 UTIB0SCHAIT across all three.

NEFT to Axis Bank, CHAITANYA MAHILA CO OP BANK LTD using IFSC UTIB0SCHAIT

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 UTIB0SCHAIT, and confirm that the system picks up Axis Bank – CHAITANYA MAHILA CO OP BANK LTD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CHAITANYA MAHILA CO OP BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's CHAITANYA MAHILA CO OP BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0SCHAIT while initiating the transfer and the credit will appear within minutes.

IMPS to Axis Bank CHAITANYA MAHILA CO OP BANK LTD (IFSC UTIB0SCHAIT)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0SCHAIT in your mobile or internet banking app, and the money is credited to the CHAITANYA MAHILA CO OP BANK LTD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Chaitanya Mahila 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 UTIB0SCHAIT:

• 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 CHAITANYA MAHILA CO OP BANK LTD is still linked to IFSC UTIB0SCHAIT.

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 CHAITANYA MAHILA CO OP BANK LTD branch, the IFSC UTIB0SCHAIT 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.

Account types you can open at the Chaitanya Mahila Co Op Bank Ltd branch

Once you have an account at Axis Bank – CHAITANYA MAHILA CO OP BANK LTD, the IFSC UTIB0SCHAIT 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.

Banking services available

The Chaitanya Mahila Co Op Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8352-255067.

• 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 UTIB0SCHAIT

Online banking and IFSC UTIB0SCHAIT

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the CHAITANYA MAHILA 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 UTIB0SCHAIT 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 Chaitanya Mahila Co Op Bank Ltd branch sits at MIRDE GALLI NEAR MEENAXI CHOWK BIJAPUR 586101. If you are travelling from outside Bijapur, search for the branch on a maps application using the bank name and locality, or call 8352-255067 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 UTIB0SCHAIT and your account number.

Common mistakes to avoid when using IFSC UTIB0SCHAIT

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 – CHAITANYA MAHILA CO OP BANK LTD, 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: UTIB0SCHAIT.
• 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.

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 Chaitanya Mahila Co Op Bank Ltd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0SCHAIT, however, work 24x7.

Verifying IFSC UTIB0SCHAIT 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 UTIB0SCHAIT by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8352-255067.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0SCHAIT is the IFSC code of Axis Bank, CHAITANYA MAHILA CO OP BANK LTD branch, in BIJAPUR, 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.