IFSC Code of Axis Bank, Shiva Sahakari Bank Niyamita Davana Branch, Karnataka

If you are searching for the IFSC code of Axis Bank, SHIVA SAHAKARI BANK NIYAMITA DAVANA branch in DAVANGERE, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is UTIB0SSBDVG. 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 SHIVA SAHAKARI BANK NIYAMITA DAVANA branch, and detailed step-by-step guides for using the IFSC UTIB0SSBDVG 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 – SHIVA SAHAKARI BANK NIYAMITA DAVANA is UTIB0SSBDVG. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters SSBDVG map to this branch in DAVANGERE, KARNATAKA.

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Shiva Sahakari Bank Niyamita Davana branch — IFSC UTIB0SSBDVG — extends the bank's services to customers in and around Davangere, Karnataka.

About the Shiva Sahakari Bank Niyamita Davana branch

The Shiva Sahakari Bank Niyamita Davana branch of Axis Bank is situated at OLD HOSPITAL ROAD POST BOX N0 48, DAVANGERE 577001. 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 UTIB0SSBDVG is used.

Branch details at a glance

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 SHIVA SAHAKARI BANK NIYAMITA DAVANA branch came to be assigned the code UTIB0SSBDVG.

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 UTIB0SSBDVG, money simply cannot be routed to the SHIVA SAHAKARI BANK NIYAMITA DAVANA branch electronically.

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 UTIB0SSBDVG and the account number together uniquely identify the Shiva Sahakari Bank Niyamita Davana branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC UTIB0SSBDVG

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 UTIB0SSBDVG across all three.

How to use IFSC UTIB0SSBDVG for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's SHIVA SAHAKARI BANK NIYAMITA DAVANA 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 UTIB0SSBDVG.
4. Confirm the bank name auto-populates as Axis Bank and the branch as SHIVA SAHAKARI BANK NIYAMITA DAVANA.
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 UTIB0SSBDVG

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 – SHIVA SAHAKARI BANK NIYAMITA DAVANA, ensure your bank's portal accepts IFSC UTIB0SSBDVG while registering the beneficiary. RTGS is also available 24x7.

IMPS to Axis Bank SHIVA SAHAKARI BANK NIYAMITA DAVANA (IFSC UTIB0SSBDVG)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0SSBDVG in your mobile or internet banking app, and the money is credited to the SHIVA SAHAKARI BANK NIYAMITA DAVANA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Shiva Sahakari Bank Niyamita Davana

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 UTIB0SSBDVG:

• 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 SHIVA SAHAKARI BANK NIYAMITA DAVANA is still linked to IFSC UTIB0SSBDVG.

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 UTIB0SSBDVG

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 – SHIVA SAHAKARI BANK NIYAMITA DAVANA is still mapped to IFSC UTIB0SSBDVG. 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 UTIB0SSBDVG and the beneficiary's account number to complete the transfer.

Account types you can open at the Shiva Sahakari Bank Niyamita Davana branch

Once you have an account at Axis Bank – SHIVA SAHAKARI BANK NIYAMITA DAVANA, the IFSC UTIB0SSBDVG 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.

Banking services available

The Shiva Sahakari Bank Niyamita Davana branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8192-2256107.

• 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 UTIB0SSBDVG

Online banking and IFSC UTIB0SSBDVG

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the SHIVA SAHAKARI BANK NIYAMITA DAVANA 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 UTIB0SSBDVG 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.

Reaching the branch

The Shiva Sahakari Bank Niyamita Davana branch sits at OLD HOSPITAL ROAD POST BOX N0 48, DAVANGERE 577001. If you are travelling from outside Davangere, search for the branch on a maps application using the bank name and locality, or call 8192-2256107 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 UTIB0SSBDVG and your account number.

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 – SHIVA SAHAKARI BANK NIYAMITA DAVANA:

• The IFSC is exactly UTIB0SSBDVG 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 SHIVA SAHAKARI BANK NIYAMITA DAVANA 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.

Working hours

Branch counters at Shiva Sahakari Bank Niyamita Davana 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 UTIB0SSBDVG continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0SSBDVG for Axis Bank – SHIVA SAHAKARI BANK NIYAMITA DAVANA, 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.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0SSBDVG is the IFSC code of Axis Bank, SHIVA SAHAKARI BANK NIYAMITA DAVANA 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.