IFSC Code of Axis Bank, Jamia Cooperative Bank Limited, Zakir Nagar Branch, Delhi

This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, JAMIA COOPERATIVE BANK LIMITED, ZAKIR NAGAR branch in DELHI. The 11-digit IFSC UTIB0SJCB05 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 JAMIA COOPERATIVE BANK LIMITED, ZAKIR NAGAR 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 – JAMIA COOPERATIVE BANK LIMITED, ZAKIR NAGAR is UTIB0SJCB05. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters SJCB05 map to this branch in DELHI, DELHI.

About Axis Bank

Axis Bank operates a wide network of branches across India, including the Jamia Cooperative Bank Limited, Zakir Nagar branch in Delhi. 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, UTIB0SJCB05.

About the Jamia Cooperative Bank Limited, Zakir Nagar branch

The Jamia Cooperative Bank Limited, Zakir Nagar branch of Axis Bank is situated at 59-B, ZAKIR NAGAR, OKHLA, NEW DELHI 110025. 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 UTIB0SJCB05 is used.

Branch details at a glance

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 JAMIA COOPERATIVE BANK LIMITED, ZAKIR NAGAR of Axis Bank — its own 11-character IFSC. The code UTIB0SJCB05 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 UTIB0SJCB05 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Jamia Cooperative Bank Limited, Zakir Nagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0SJCB05 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC UTIB0SJCB05

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 UTIB0SJCB05 across all three.

How to use IFSC UTIB0SJCB05 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, ZAKIR NAGAR 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 UTIB0SJCB05.
4. Confirm the bank name auto-populates as Axis Bank and the branch as JAMIA COOPERATIVE BANK LIMITED, ZAKIR NAGAR.
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 UTIB0SJCB05

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 – JAMIA COOPERATIVE BANK LIMITED, ZAKIR NAGAR, ensure your bank's portal accepts IFSC UTIB0SJCB05 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Axis Bank JAMIA COOPERATIVE BANK LIMITED, ZAKIR NAGAR (IFSC UTIB0SJCB05)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0SJCB05 in your mobile or internet banking app, and the money is credited to the JAMIA COOPERATIVE BANK LIMITED, ZAKIR NAGAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Jamia Cooperative Bank Limited, Zakir Nagar

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 UTIB0SJCB05:

• 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 JAMIA COOPERATIVE BANK LIMITED, ZAKIR NAGAR is still linked to IFSC UTIB0SJCB05.

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 JAMIA COOPERATIVE BANK LIMITED, ZAKIR NAGAR branch, the IFSC UTIB0SJCB05 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.

Products and account variants supported

Every account opened at the Jamia Cooperative Bank Limited, Zakir Nagar branch is mapped to IFSC UTIB0SJCB05 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 UTIB0SJCB05.

Products and services

Customers walking into the Jamia Cooperative Bank Limited, Zakir Nagar 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 UTIB0SJCB05

Digital banking channels

Most day-to-day work that customers used to do at the Jamia Cooperative Bank Limited, Zakir Nagar branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC UTIB0SJCB05 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Reaching the branch

The Jamia Cooperative Bank Limited, Zakir Nagar branch sits at 59-B, ZAKIR NAGAR, OKHLA, NEW DELHI 110025. If you are travelling from outside Delhi, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 UTIB0SJCB05 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 – JAMIA COOPERATIVE BANK LIMITED, ZAKIR NAGAR:

• The IFSC is exactly UTIB0SJCB05 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, ZAKIR NAGAR 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.

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 Jamia Cooperative Bank Limited, Zakir Nagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0SJCB05, however, work 24x7.

Verifying IFSC UTIB0SJCB05 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 UTIB0SJCB05 by:

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

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0SJCB05 belongs to Axis Bank's JAMIA COOPERATIVE BANK LIMITED, ZAKIR NAGAR branch, located at 59-B, ZAKIR NAGAR, OKHLA, 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.