IFSC Code of Axis Bank, Shri Shantappanna Miraji Urban Coop Branch, Karnataka

Use this page as a one-stop reference for everything related to Axis Bank's SHRI SHANTAPPANNA MIRAJI URBAN COOP branch in CHIKODI, KARNATAKA. The branch's IFSC code UTIB0SSMUCB 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.

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 – SHRI SHANTAPPANNA MIRAJI URBAN COOP is UTIB0SSMUCB. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters SSMUCB map to this branch in CHIKODI, KARNATAKA.

About Axis Bank

Axis Bank operates a wide network of branches across India, including the Shri Shantappanna Miraji Urban Coop branch in Chikodi. 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, UTIB0SSMUCB.

Branch details at a glance

Shri Shantappanna Miraji Urban Coop branch overview

Located at 944, 945, 1ST FLOOR, GURUWARPETH, CHIKODI 591201, the Shri Shantappanna Miraji Urban Coop branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0SSMUCB 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 SHRI SHANTAPPANNA MIRAJI URBAN COOP of Axis Bank — its own 11-character IFSC. The code UTIB0SSMUCB 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 UTIB0SSMUCB 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 Shri Shantappanna Miraji Urban Coop branch

Once you have an account at Axis Bank – SHRI SHANTAPPANNA MIRAJI URBAN COOP, the IFSC UTIB0SSMUCB 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 Shri Shantappanna Miraji Urban Coop 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 UTIB0SSMUCB

How to transfer money using IFSC UTIB0SSMUCB

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 UTIB0SSMUCB across all three.

NEFT to Axis Bank, SHRI SHANTAPPANNA MIRAJI URBAN COOP using IFSC UTIB0SSMUCB

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 UTIB0SSMUCB, and confirm that the system picks up Axis Bank – SHRI SHANTAPPANNA MIRAJI URBAN COOP. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SHRI SHANTAPPANNA MIRAJI URBAN COOP

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's SHRI SHANTAPPANNA MIRAJI URBAN COOP branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0SSMUCB 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 – SHRI SHANTAPPANNA MIRAJI URBAN COOP, use IMPS. With IFSC UTIB0SSMUCB and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Shri Shantappanna Miraji Urban Coop

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 UTIB0SSMUCB:

• 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 SHRI SHANTAPPANNA MIRAJI URBAN COOP is still linked to IFSC UTIB0SSMUCB.

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 SHRI SHANTAPPANNA MIRAJI URBAN COOP branch, the IFSC UTIB0SSMUCB 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 UTIB0SSMUCB

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the SHRI SHANTAPPANNA MIRAJI URBAN COOP 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 UTIB0SSMUCB 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 Shantappanna Miraji Urban Coop branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0SSMUCB 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 UTIB0SSMUCB

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 SHANTAPPANNA MIRAJI URBAN COOP, 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: UTIB0SSMUCB.
• 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.

How to reach the Shri Shantappanna Miraji Urban Coop branch

The branch is located at 944, 945, 1ST FLOOR, GURUWARPETH, CHIKODI 591201, which puts it inside Chikodi, the broader Belgaum district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Shri Shantappanna Miraji Urban Coop branch” — the verified location pin for IFSC UTIB0SSMUCB should appear at the top of the results.
2. Confirm the branch is open by calling 8338-273169 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 UTIB0SSMUCB and your account number.

Verifying IFSC UTIB0SSMUCB 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 UTIB0SSMUCB by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8338-273169.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Shri Shantappanna Miraji Urban Coop 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 UTIB0SSMUCB continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0SSMUCB belongs to Axis Bank's SHRI SHANTAPPANNA MIRAJI URBAN COOP branch, located at 944, 945, 1ST FLOOR, GURUWARPETH, CHIKODI 591201 in CHIKODI, 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.