IFSC Code of Axis Bank, Karnataka Mahila Sahakara Bank Niyamitha Chickmagalur Branch, Karnataka

If you are searching for the IFSC code of Axis Bank, KARNATAKA MAHILA SAHAKARA BANK NIYAMITHA CHICKMAGALUR branch in CHIKMAGALUR, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is UTIB0SCJMSB. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the KARNATAKA MAHILA SAHAKARA BANK NIYAMITHA CHICKMAGALUR branch, and detailed step-by-step guides for using the IFSC UTIB0SCJMSB across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Axis Bank – KARNATAKA MAHILA SAHAKARA BANK NIYAMITHA CHICKMAGALUR is UTIB0SCJMSB. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters SCJMSB map to this branch in CHIKMAGALUR, KARNATAKA.

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Karnataka Mahila Sahakara Bank Niyamitha Chickmagalur branch — IFSC UTIB0SCJMSB — extends the bank's services to customers in and around Chikmagalur, Karnataka.

Branch details at a glance

Karnataka Mahila Sahakara Bank Niyamitha Chickmagalur branch overview

Located at NEAR SHANKAR MUTT BASAVANAHALLI MAIN ROAD BASAVANAHALLI CHIKMAGALUR 577101, the Karnataka Mahila Sahakara Bank Niyamitha Chickmagalur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0SCJMSB is required for all interbank electronic transfers routed through this branch.

Why every Axis Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including KARNATAKA MAHILA SAHAKARA BANK NIYAMITHA CHICKMAGALUR of Axis Bank — its own 11-character IFSC. The code UTIB0SCJMSB is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC UTIB0SCJMSB the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Karnataka Mahila Sahakara Bank Niyamitha Chickmagalur branch

Once you have an account at Axis Bank – KARNATAKA MAHILA SAHAKARA BANK NIYAMITHA CHICKMAGALUR, the IFSC UTIB0SCJMSB 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.

Products and services

Customers walking into the Karnataka Mahila Sahakara Bank Niyamitha Chickmagalur 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 UTIB0SCJMSB

How to transfer money using IFSC UTIB0SCJMSB

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 UTIB0SCJMSB across all three.

NEFT to Axis Bank, KARNATAKA MAHILA SAHAKARA BANK NIYAMITHA CHICKMAGALUR using IFSC UTIB0SCJMSB

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 UTIB0SCJMSB, and confirm that the system picks up Axis Bank – KARNATAKA MAHILA SAHAKARA BANK NIYAMITHA CHICKMAGALUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UTIB0SCJMSB

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 – KARNATAKA MAHILA SAHAKARA BANK NIYAMITHA CHICKMAGALUR, ensure your bank's portal accepts IFSC UTIB0SCJMSB while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Axis Bank – KARNATAKA MAHILA SAHAKARA BANK NIYAMITHA CHICKMAGALUR, use IMPS. With IFSC UTIB0SCJMSB 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 UTIB0SCJMSB for Axis Bank – KARNATAKA MAHILA SAHAKARA BANK NIYAMITHA CHICKMAGALUR, 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 Karnataka Mahila Sahakara Bank Niyamitha Chickmagalur 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 UTIB0SCJMSB

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 – KARNATAKA MAHILA SAHAKARA BANK NIYAMITHA CHICKMAGALUR is still mapped to IFSC UTIB0SCJMSB. 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 UTIB0SCJMSB and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Karnataka Mahila Sahakara Bank Niyamitha Chickmagalur branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC UTIB0SCJMSB is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Axis Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC UTIB0SCJMSB and the account number together uniquely identify the Karnataka Mahila Sahakara Bank Niyamitha Chickmagalur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – KARNATAKA MAHILA SAHAKARA BANK NIYAMITHA CHICKMAGALUR:

• The IFSC is exactly UTIB0SCJMSB 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 KARNATAKA MAHILA SAHAKARA BANK NIYAMITHA CHICKMAGALUR 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 Karnataka Mahila Sahakara Bank Niyamitha Chickmagalur branch sits at NEAR SHANKAR MUTT BASAVANAHALLI MAIN ROAD BASAVANAHALLI CHIKMAGALUR 577101. If you are travelling from outside Chikmagalur, search for the branch on a maps application using the bank name and locality, or call 8262-238921 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 UTIB0SCJMSB and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0SCJMSB for Axis Bank – KARNATAKA MAHILA SAHAKARA BANK NIYAMITHA CHICKMAGALUR, 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 Karnataka Mahila Sahakara Bank Niyamitha Chickmagalur 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 UTIB0SCJMSB continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0SCJMSB belongs to Axis Bank's KARNATAKA MAHILA SAHAKARA BANK NIYAMITHA CHICKMAGALUR branch, located at NEAR SHANKAR MUTT BASAVANAHALLI MAIN ROAD BASAVANAHALLI CHIKMAGALUR 577101 in CHIKMAGALUR, 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.