This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, MILLATH CO OPERATIVE BANK LTD branch in DAVANGERE. The 11-digit IFSC UTIB0S00MCB 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 MILLATH CO OPERATIVE BANK LTD 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.
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 – MILLATH CO OPERATIVE BANK LTD is UTIB0S00MCB. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters S00MCB map to this branch in DAVANGERE, KARNATAKA.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Millath Co Operative Bank Ltd |
| IFSC Code | UTIB0S00MCB |
| MICR Code | Refer to cheque leaf |
| Branch Address | CHOWKIPET DAVANGERE PIN 577001 |
| City | Davangere |
| District | Davangere |
| State | Karnataka |
| STD Code | 8192 |
| Phone | 235305 |
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Millath Co Operative Bank Ltd branch in Davangere. 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, UTIB0S00MCB.
Millath Co Operative Bank Ltd branch overview
Located at CHOWKIPET DAVANGERE PIN 577001, the Millath Co Operative Bank Ltd branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0S00MCB 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 MILLATH CO OPERATIVE BANK LTD of Axis Bank — its own 11-character IFSC. The code UTIB0S00MCB 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 UTIB0S00MCB the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC UTIB0S00MCB
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 UTIB0S00MCB across all three.
NEFT to Axis Bank, MILLATH CO OPERATIVE BANK LTD using IFSC UTIB0S00MCB
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 UTIB0S00MCB, and confirm that the system picks up Axis Bank – MILLATH CO OPERATIVE BANK LTD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0S00MCB
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 – MILLATH CO OPERATIVE BANK LTD, ensure your bank's portal accepts IFSC UTIB0S00MCB while registering the beneficiary. RTGS is also available 24x7.
IMPS to Axis Bank MILLATH CO OPERATIVE BANK LTD (IFSC UTIB0S00MCB)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0S00MCB in your mobile or internet banking app, and the money is credited to the MILLATH CO OPERATIVE BANK LTD branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Millath Co Operative Bank Ltd
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 UTIB0S00MCB:
- 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 MILLATH CO OPERATIVE BANK LTD is still linked to IFSC UTIB0S00MCB.
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.
UPI payments and IFSC UTIB0S00MCB
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 – MILLATH CO OPERATIVE BANK LTD is still mapped to IFSC UTIB0S00MCB. 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 UTIB0S00MCB and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Millath Co Operative Bank Ltd branch is mapped to IFSC UTIB0S00MCB 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 UTIB0S00MCB.
Banking services available
The Millath Co Operative Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8192-235305.
- 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 UTIB0S00MCB
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 UTIB0S00MCB and the account number together uniquely identify the Millath Co Operative Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC UTIB0S00MCB
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the MILLATH 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 UTIB0S00MCB 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.
Common mistakes to avoid when using IFSC UTIB0S00MCB
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 – MILLATH CO OPERATIVE BANK LTD, 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:
UTIB0S00MCB. - 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 Millath Co Operative Bank Ltd branch
The branch is located at CHOWKIPET DAVANGERE PIN 577001, which puts it inside Davangere, the broader Davangere district, and the state of Karnataka. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Millath Co Operative Bank Ltd branch” — the verified location pin for IFSC UTIB0S00MCB should appear at the top of the results.
- Confirm the branch is open by calling 8192-235305 before stepping out, especially around public holidays.
- 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 UTIB0S00MCB and your account number.
Verifying IFSC UTIB0S00MCB 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 UTIB0S00MCB by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8192-235305.
- Visiting the bank's official branch locator page.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Millath Co Operative Bank Ltd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0S00MCB, however, work 24x7.
Branch address & contact
Axis BankMillath Co Operative Bank Ltd Branch
CHOWKIPET DAVANGERE PIN 577001
Davangere, Karnataka
Phone: 8192-235305
IFSC: UTIB0S00MCB
Frequently asked questions
Is IFSC UTIB0S00MCB the same for all accounts at Millath Co Operative Bank Ltd branch?
Yes. The IFSC UTIB0S00MCB is shared by every account held at Axis Bank's Millath Co Operative Bank Ltd branch. Only the account number changes from customer to customer.
Is IFSC UTIB0S00MCB valid for NEFT and RTGS?
Yes. IFSC UTIB0S00MCB is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using UTIB0S00MCB be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Millath Co Operative Bank Ltd reflect within 30 minutes.
Where is Axis Bank Millath Co Operative Bank Ltd branch located?
Axis Bank's Millath Co Operative Bank Ltd branch is located at CHOWKIPET DAVANGERE PIN 577001, Davangere, Karnataka.
Can I use IFSC UTIB0S00MCB for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0S00MCB to send funds instantly.
How do I add Axis Bank Millath Co Operative Bank Ltd as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0S00MCB, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Axis Bank Millath Co Operative Bank Ltd branch?
You can reach the branch at 8192-235305 during regular banking hours.
Summary
The IFSC code UTIB0S00MCB belongs to Axis Bank's MILLATH CO OPERATIVE BANK LTD branch, located at CHOWKIPET DAVANGERE PIN 577001 in DAVANGERE, 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.
