IFSC Code of Axis Bank, Shri Kanyaka Nagari Sahakari Bank Branch, Chandigarh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, SHRI KANYAKA NAGARI SAHAKARI BANK branch in CHANDRAPUR. The 11-digit IFSC UTIB0SKNS03 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 SHRI KANYAKA NAGARI SAHAKARI BANK 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 SHRI KANYAKA NAGARI SAHAKARI BANK branch, the IFSC UTIB0SKNS03 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and SKNS03 identifies this particular branch.

About the bank

Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Shri Kanyaka Nagari Sahakari Bank branch in Chandrapur, Chandigarh is part of this network and uses the IFSC code UTIB0SKNS03 for all electronic settlement.

Branch details at a glance

Shri Kanyaka Nagari Sahakari Bank branch overview

Located at GANJWAD NEAR S P COLLEGE,CHANDRAPUR 442402, the Shri Kanyaka Nagari Sahakari Bank branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0SKNS03 is required for all interbank electronic transfers routed through this branch.

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 SHRI KANYAKA NAGARI SAHAKARI BANK branch came to be assigned the code UTIB0SKNS03.

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 UTIB0SKNS03, money simply cannot be routed to the SHRI KANYAKA NAGARI SAHAKARI BANK branch electronically.

Products and account variants supported

Every account opened at the Shri Kanyaka Nagari Sahakari Bank branch is mapped to IFSC UTIB0SKNS03 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 UTIB0SKNS03.

Products and services

Customers walking into the Shri Kanyaka Nagari Sahakari 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 UTIB0SKNS03

How to transfer money using IFSC UTIB0SKNS03

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 UTIB0SKNS03 across all three.

How to use IFSC UTIB0SKNS03 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's SHRI KANYAKA NAGARI SAHAKARI 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 UTIB0SKNS03.
4. Confirm the bank name auto-populates as Axis Bank and the branch as SHRI KANYAKA NAGARI SAHAKARI BANK.
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 UTIB0SKNS03

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 – SHRI KANYAKA NAGARI SAHAKARI BANK, ensure your bank's portal accepts IFSC UTIB0SKNS03 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Axis Bank SHRI KANYAKA NAGARI SAHAKARI BANK (IFSC UTIB0SKNS03)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0SKNS03 in your mobile or internet banking app, and the money is credited to the SHRI KANYAKA NAGARI SAHAKARI BANK branch account within seconds.

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

All three modes accept the IFSC UTIB0SKNS03 for Axis Bank – SHRI KANYAKA NAGARI 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 Shri Kanyaka Nagari 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.

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 SHRI KANYAKA NAGARI SAHAKARI BANK branch, the IFSC UTIB0SKNS03 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.

Online banking and IFSC UTIB0SKNS03

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the SHRI KANYAKA NAGARI 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 UTIB0SKNS03 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.

MICR & cheque-truncation details

Cheques drawn on the Shri Kanyaka Nagari Sahakari Bank branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0SKNS03 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC UTIB0SKNS03

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 – SHRI KANYAKA NAGARI SAHAKARI 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: UTIB0SKNS03.
• 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.

Reaching the branch

The Shri Kanyaka Nagari Sahakari Bank branch sits at GANJWAD NEAR S P COLLEGE,CHANDRAPUR 442402. If you are travelling from outside Chandrapur, search for the branch on a maps application using the bank name and locality, or call 7172-254714 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 UTIB0SKNS03 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0SKNS03 for Axis Bank – SHRI KANYAKA NAGARI 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.

Working hours

Branch counters at Shri Kanyaka Nagari Sahakari 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 UTIB0SKNS03 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0SKNS03 is the IFSC code of Axis Bank, SHRI KANYAKA NAGARI SAHAKARI BANK branch, in CHANDRAPUR, CHANDIGARH. 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.