IFSC Code of Axis Bank, City Co Operative Bank Ltd Branch, Karnataka

Use this page as a one-stop reference for everything related to Axis Bank's CITY CO OPERATIVE BANK LTD branch in DAVANGERE, KARNATAKA. The branch's IFSC code UTIB0SCCOBL 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.

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 CITY CO OPERATIVE BANK LTD branch, the IFSC UTIB0SCCOBL breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and SCCOBL 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 City Co Operative Bank Ltd branch in Davangere, Karnataka is part of this network and uses the IFSC code UTIB0SCCOBL for all electronic settlement.

Branch details at a glance

About the City Co Operative Bank Ltd branch

The City Co Operative Bank Ltd branch of Axis Bank is situated at DR MODI HOSPITAL ROAD P J EXTENSION DAVANGERE PIN 577002. 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 UTIB0SCCOBL is used.

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 CITY CO OPERATIVE BANK LTD of Axis Bank — its own 11-character IFSC. The code UTIB0SCCOBL 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 UTIB0SCCOBL the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the City Co Operative Bank Ltd branch is mapped to IFSC UTIB0SCCOBL 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 UTIB0SCCOBL.

Banking services available

The City Co Operative Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8192-255974.

• 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 UTIB0SCCOBL

How to transfer money using IFSC UTIB0SCCOBL

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 UTIB0SCCOBL across all three.

NEFT to Axis Bank, CITY CO OPERATIVE BANK LTD using IFSC UTIB0SCCOBL

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 UTIB0SCCOBL, and confirm that the system picks up Axis Bank – CITY CO OPERATIVE BANK LTD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CITY CO OPERATIVE BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's CITY CO OPERATIVE BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0SCCOBL 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 – CITY CO OPERATIVE BANK LTD, use IMPS. With IFSC UTIB0SCCOBL 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 UTIB0SCCOBL for Axis Bank – CITY CO OPERATIVE BANK LTD, 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 City Co Operative Bank Ltd 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 UTIB0SCCOBL

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 – CITY CO OPERATIVE BANK LTD is still mapped to IFSC UTIB0SCCOBL. 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 UTIB0SCCOBL and the beneficiary's account number to complete the transfer.

Online banking and IFSC UTIB0SCCOBL

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the CITY CO OPERATIVE BANK LTD 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 UTIB0SCCOBL 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 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 UTIB0SCCOBL and the account number together uniquely identify the City Co Operative Bank Ltd 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 – CITY CO OPERATIVE BANK LTD:

• The IFSC is exactly UTIB0SCCOBL 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 CITY CO OPERATIVE BANK LTD 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 City Co Operative Bank Ltd branch sits at DR MODI HOSPITAL ROAD P J EXTENSION DAVANGERE PIN 577002. If you are travelling from outside Davangere, search for the branch on a maps application using the bank name and locality, or call 8192-255974 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 UTIB0SCCOBL and your account number.

Verifying IFSC UTIB0SCCOBL 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 UTIB0SCCOBL by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8192-255974.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at City Co Operative Bank Ltd 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 UTIB0SCCOBL continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0SCCOBL is the IFSC code of Axis Bank, CITY CO OPERATIVE BANK LTD branch, in DAVANGERE, KARNATAKA. 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.