IFSC Code of Axis Bank, Jamia Cooperative Bank Limited, Sarai Jullena Branch, Delhi

If you are searching for the IFSC code of Axis Bank, JAMIA COOPERATIVE BANK LIMITED, SARAI JULLENA branch in DELHI, DELHI, this page has every detail you need. The verified IFSC code for this branch is UTIB0SJCB02. 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 JAMIA COOPERATIVE BANK LIMITED, SARAI JULLENA branch, and detailed step-by-step guides for using the IFSC UTIB0SJCB02 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.

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 JAMIA COOPERATIVE BANK LIMITED, SARAI JULLENA branch, the IFSC UTIB0SJCB02 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and SJCB02 identifies this particular branch.

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Jamia Cooperative Bank Limited, Sarai Jullena branch — IFSC UTIB0SJCB02 — extends the bank's services to customers in and around Delhi, Delhi.

Branch details at a glance

Jamia Cooperative Bank Limited, Sarai Jullena branch overview

Located at 152-A, SARAI JULENA, NEW DELHI 110025, the Jamia Cooperative Bank Limited, Sarai Jullena branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0SJCB02 is required for all interbank electronic transfers routed through this branch.

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 JAMIA COOPERATIVE BANK LIMITED, SARAI JULLENA branch came to be assigned the code UTIB0SJCB02.

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 UTIB0SJCB02, money simply cannot be routed to the JAMIA COOPERATIVE BANK LIMITED, SARAI JULLENA branch electronically.

Products and account variants supported

Every account opened at the Jamia Cooperative Bank Limited, Sarai Jullena branch is mapped to IFSC UTIB0SJCB02 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 UTIB0SJCB02.

Products and services

Customers walking into the Jamia Cooperative Bank Limited, Sarai Jullena 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 UTIB0SJCB02

How to transfer money using IFSC UTIB0SJCB02

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 UTIB0SJCB02 across all three.

How to use IFSC UTIB0SJCB02 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's JAMIA COOPERATIVE BANK LIMITED, SARAI JULLENA 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 UTIB0SJCB02.
4. Confirm the bank name auto-populates as Axis Bank and the branch as JAMIA COOPERATIVE BANK LIMITED, SARAI JULLENA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to JAMIA COOPERATIVE BANK LIMITED, SARAI JULLENA

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's JAMIA COOPERATIVE BANK LIMITED, SARAI JULLENA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0SJCB02 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 – JAMIA COOPERATIVE BANK LIMITED, SARAI JULLENA, use IMPS. With IFSC UTIB0SJCB02 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 UTIB0SJCB02 for Axis Bank – JAMIA COOPERATIVE BANK LIMITED, SARAI JULLENA, 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 Jamia Cooperative Bank Limited, Sarai Jullena 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.

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 JAMIA COOPERATIVE BANK LIMITED, SARAI JULLENA branch, the IFSC UTIB0SJCB02 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 UTIB0SJCB02

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the JAMIA COOPERATIVE BANK LIMITED, SARAI JULLENA 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 UTIB0SJCB02 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 Jamia Cooperative Bank Limited, Sarai Jullena branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0SJCB02 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – JAMIA COOPERATIVE BANK LIMITED, SARAI JULLENA:

• The IFSC is exactly UTIB0SJCB02 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 JAMIA COOPERATIVE BANK LIMITED, SARAI JULLENA 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.

How to reach the Jamia Cooperative Bank Limited, Sarai Jullena branch

The branch is located at 152-A, SARAI JULENA, NEW DELHI 110025, which puts it inside Delhi, the broader Delhi district, and the state of Delhi. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Jamia Cooperative Bank Limited, Sarai Jullena branch” — the verified location pin for IFSC UTIB0SJCB02 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 UTIB0SJCB02 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0SJCB02 for Axis Bank – JAMIA COOPERATIVE BANK LIMITED, SARAI JULLENA, 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 Jamia Cooperative Bank Limited, Sarai Jullena 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 UTIB0SJCB02 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0SJCB02 belongs to Axis Bank's JAMIA COOPERATIVE BANK LIMITED, SARAI JULLENA branch, located at 152-A, SARAI JULENA, NEW DELHI 110025 in DELHI, DELHI. 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.