IFSC Code of Axis Bank, Shree Gajanan Urban Cooperative Bank Branch, Karnataka

Use this page as a one-stop reference for everything related to Axis Bank's SHREE GAJANAN URBAN COOPERATIVE BANK branch in BYADGI, KARNATAKA. The branch's IFSC code UTIB0SGUCBL is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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, UTIB0SGUCBL is the IFSC of Axis Bank's SHREE GAJANAN URBAN COOPERATIVE BANK branch. The format is fixed: UTIB = bank code, 0 = reserved, SGUCBL = branch identifier.

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Shree Gajanan Urban Cooperative Bank branch — IFSC UTIB0SGUCBL — extends the bank's services to customers in and around Byadgi, Karnataka.

About this branch

The branch is located at MAIN ROAD, BYADGI 581106. It serves the Byadgi 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 UTIB0SGUCBL 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 SHREE GAJANAN URBAN COOPERATIVE BANK branch came to be assigned the code UTIB0SGUCBL.

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 UTIB0SGUCBL, money simply cannot be routed to the SHREE GAJANAN URBAN COOPERATIVE BANK branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Shree Gajanan Urban Cooperative Bank branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0SGUCBL 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 UTIB0SGUCBL

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 UTIB0SGUCBL across all three.

How to use IFSC UTIB0SGUCBL for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's SHREE GAJANAN URBAN COOPERATIVE BANK 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 UTIB0SGUCBL.
4. Confirm the bank name auto-populates as Axis Bank and the branch as SHREE GAJANAN URBAN COOPERATIVE BANK.
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 SHREE GAJANAN URBAN COOPERATIVE BANK

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's SHREE GAJANAN URBAN COOPERATIVE BANK branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0SGUCBL while initiating the transfer and the credit will appear within minutes.

IMPS to Axis Bank SHREE GAJANAN URBAN COOPERATIVE BANK (IFSC UTIB0SGUCBL)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0SGUCBL in your mobile or internet banking app, and the money is credited to the SHREE GAJANAN URBAN COOPERATIVE BANK branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Shree Gajanan Urban Cooperative Bank

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 UTIB0SGUCBL:

• 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 SHREE GAJANAN URBAN COOPERATIVE BANK is still linked to IFSC UTIB0SGUCBL.

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 SHREE GAJANAN URBAN COOPERATIVE BANK branch, the IFSC UTIB0SGUCBL 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 Shree Gajanan Urban Cooperative Bank branch is mapped to IFSC UTIB0SGUCBL 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 UTIB0SGUCBL.

Products and services

Customers walking into the Shree Gajanan Urban Cooperative Bank 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 UTIB0SGUCBL

Online banking and IFSC UTIB0SGUCBL

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the SHREE GAJANAN URBAN COOPERATIVE 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 UTIB0SGUCBL 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.

How to reach the Shree Gajanan Urban Cooperative Bank branch

The branch is located at MAIN ROAD, BYADGI 581106, which puts it inside Byadgi, the broader Haveri district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Shree Gajanan Urban Cooperative Bank branch” — the verified location pin for IFSC UTIB0SGUCBL should appear at the top of the results.
2. Confirm the branch is open by calling 8375-228455 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 UTIB0SGUCBL and your account number.

Common mistakes to avoid when using IFSC UTIB0SGUCBL

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 – SHREE GAJANAN URBAN COOPERATIVE BANK, 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: UTIB0SGUCBL.
• 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.

Working hours

Branch counters at Shree Gajanan Urban Cooperative Bank 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 UTIB0SGUCBL continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0SGUCBL for Axis Bank – SHREE GAJANAN URBAN COOPERATIVE 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 address & contact

Frequently asked questions

Summary

The IFSC code UTIB0SGUCBL belongs to Axis Bank's SHREE GAJANAN URBAN COOPERATIVE BANK branch, located at MAIN ROAD, BYADGI 581106 in BYADGI, 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.