IFSC Code of Axis Bank, Dhanera Mercatile Coop Bank Panthwada Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, DHANERA MERCATILE COOP BANK PANTHWADA branch in DHANERA. The 11-digit IFSC UTIB0SDMCB2 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 DHANERA MERCATILE COOP BANK PANTHWADA 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, UTIB0SDMCB2 is the IFSC of Axis Bank's DHANERA MERCATILE COOP BANK PANTHWADA branch. The format is fixed: UTIB = bank code, 0 = reserved, SDMCB2 = branch identifier.

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Dhanera Mercatile Coop Bank Panthwada branch — IFSC UTIB0SDMCB2 — extends the bank's services to customers in and around Dhanera, Gujarat.

Branch details at a glance

About this branch

The branch is located at STATION ROAD, PATHARWADA, 385545. It serves the Dhanera region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Axis Bank. The IFSC UTIB0SDMCB2 is used to identify this branch on the RBI payments network.

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 DHANERA MERCATILE COOP BANK PANTHWADA of Axis Bank — its own 11-character IFSC. The code UTIB0SDMCB2 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 UTIB0SDMCB2 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 Dhanera Mercatile Coop Bank Panthwada branch is mapped to IFSC UTIB0SDMCB2 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 UTIB0SDMCB2.

Products and services

Customers walking into the Dhanera Mercatile Coop Bank Panthwada 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 UTIB0SDMCB2

How to transfer money using IFSC UTIB0SDMCB2

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 UTIB0SDMCB2 across all three.

NEFT to Axis Bank, DHANERA MERCATILE COOP BANK PANTHWADA using IFSC UTIB0SDMCB2

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 UTIB0SDMCB2, and confirm that the system picks up Axis Bank – DHANERA MERCATILE COOP BANK PANTHWADA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to DHANERA MERCATILE COOP BANK PANTHWADA

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's DHANERA MERCATILE COOP BANK PANTHWADA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0SDMCB2 while initiating the transfer and the credit will appear within minutes.

IMPS to Axis Bank DHANERA MERCATILE COOP BANK PANTHWADA (IFSC UTIB0SDMCB2)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0SDMCB2 in your mobile or internet banking app, and the money is credited to the DHANERA MERCATILE COOP BANK PANTHWADA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Dhanera Mercatile Coop Bank Panthwada

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 UTIB0SDMCB2:

• 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 DHANERA MERCATILE COOP BANK PANTHWADA is still linked to IFSC UTIB0SDMCB2.

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 DHANERA MERCATILE COOP BANK PANTHWADA branch, the IFSC UTIB0SDMCB2 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.

Digital banking channels

Most day-to-day work that customers used to do at the Dhanera Mercatile Coop Bank Panthwada 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 UTIB0SDMCB2 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.

MICR & cheque-truncation details

Cheques drawn on the Dhanera Mercatile Coop Bank Panthwada branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0SDMCB2 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 – DHANERA MERCATILE COOP BANK PANTHWADA:

• The IFSC is exactly UTIB0SDMCB2 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 DHANERA MERCATILE COOP BANK PANTHWADA 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 Dhanera Mercatile Coop Bank Panthwada branch sits at STATION ROAD, PATHARWADA, 385545. If you are travelling from outside Dhanera, search for the branch on a maps application using the bank name and locality, or call 2748-223467 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 UTIB0SDMCB2 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0SDMCB2 for Axis Bank – DHANERA MERCATILE COOP BANK PANTHWADA, 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 Dhanera Mercatile Coop Bank Panthwada 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 UTIB0SDMCB2 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0SDMCB2 is the IFSC code of Axis Bank, DHANERA MERCATILE COOP BANK PANTHWADA branch, in DHANERA, GUJARAT. 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.