IFSC Code of Axis Bank, Sarakari Naukarara Sahakari Bank Branch, Karnataka

Below are the complete branch details for Axis Bank, SARAKARI NAUKARARA SAHAKARI BANK branch, located in BIJAPUR, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0SSNSBK. 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 UTIB0SSNSBK for Axis Bank – SARAKARI NAUKARARA SAHAKARI BANK — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 SARAKARI NAUKARARA SAHAKARI BANK branch, the IFSC UTIB0SSNSBK breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and SSNSBK identifies this particular branch.

Branch details at a glance

About Axis Bank

Axis Bank operates a wide network of branches across India, including the Sarakari Naukarara Sahakari Bank branch in Bijapur. 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, UTIB0SSNSBK.

About the Sarakari Naukarara Sahakari Bank branch

The Sarakari Naukarara Sahakari Bank branch of Axis Bank is situated at MAHAVEER ROAD BIJAPUR 586101. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code UTIB0SSNSBK is used.

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 SARAKARI NAUKARARA SAHAKARI BANK branch came to be assigned the code UTIB0SSNSBK.

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 UTIB0SSNSBK, money simply cannot be routed to the SARAKARI NAUKARARA SAHAKARI BANK branch electronically.

How to transfer money using IFSC UTIB0SSNSBK

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 UTIB0SSNSBK across all three.

NEFT to Axis Bank, SARAKARI NAUKARARA SAHAKARI BANK using IFSC UTIB0SSNSBK

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 UTIB0SSNSBK, and confirm that the system picks up Axis Bank – SARAKARI NAUKARARA SAHAKARI BANK. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SARAKARI NAUKARARA SAHAKARI BANK

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's SARAKARI NAUKARARA SAHAKARI BANK branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0SSNSBK 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 – SARAKARI NAUKARARA SAHAKARI BANK, use IMPS. With IFSC UTIB0SSNSBK and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UTIB0SSNSBK for Axis Bank – SARAKARI NAUKARARA SAHAKARI BANK, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Sarakari Naukarara Sahakari Bank branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC UTIB0SSNSBK

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 – SARAKARI NAUKARARA SAHAKARI BANK is still mapped to IFSC UTIB0SSNSBK. 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 UTIB0SSNSBK and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Sarakari Naukarara Sahakari Bank branch is mapped to IFSC UTIB0SSNSBK 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 UTIB0SSNSBK.

Banking services available

The Sarakari Naukarara Sahakari Bank branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8352-250953.

• 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 UTIB0SSNSBK

MICR & cheque-truncation details

Cheques drawn on the Sarakari Naukarara Sahakari Bank branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0SSNSBK for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC UTIB0SSNSBK

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the SARAKARI NAUKARARA SAHAKARI BANK 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 UTIB0SSNSBK 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 – SARAKARI NAUKARARA SAHAKARI BANK:

• The IFSC is exactly UTIB0SSNSBK 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 SARAKARI NAUKARARA 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.

Reaching the branch

The Sarakari Naukarara Sahakari Bank branch sits at MAHAVEER ROAD 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 8352-250953 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 UTIB0SSNSBK and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0SSNSBK for Axis Bank – SARAKARI NAUKARARA 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.

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 Sarakari Naukarara Sahakari Bank branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0SSNSBK, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0SSNSBK belongs to Axis Bank's SARAKARI NAUKARARA SAHAKARI BANK branch, located at MAHAVEER ROAD BIJAPUR 586101 in BIJAPUR, 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.