IFSC Code of Axis Bank, Jila Sahkari Kendriya Bank Maryadit Branch, Chandigarh

Use this page as a one-stop reference for everything related to Axis Bank's JILA SAHKARI KENDRIYA BANK MARYADIT branch in DURG, CHANDIGARH. The branch's IFSC code UTIB0SJSD01 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 JILA SAHKARI KENDRIYA BANK MARYADIT branch, the IFSC UTIB0SJSD01 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and SJSD01 identifies this particular branch.

Branch details at a glance

About Axis Bank

Axis Bank operates a wide network of branches across India, including the Jila Sahkari Kendriya Bank Maryadit branch in Durg. 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, UTIB0SJSD01.

Jila Sahkari Kendriya Bank Maryadit branch overview

Located at G E ROAD,DURG,CHHATTISGARH 491001, the Jila Sahkari Kendriya Bank Maryadit branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0SJSD01 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 JILA SAHKARI KENDRIYA BANK MARYADIT branch came to be assigned the code UTIB0SJSD01.

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 UTIB0SJSD01, money simply cannot be routed to the JILA SAHKARI KENDRIYA BANK MARYADIT branch electronically.

How to transfer money using IFSC UTIB0SJSD01

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 UTIB0SJSD01 across all three.

NEFT to Axis Bank, JILA SAHKARI KENDRIYA BANK MARYADIT using IFSC UTIB0SJSD01

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 UTIB0SJSD01, and confirm that the system picks up Axis Bank – JILA SAHKARI KENDRIYA BANK MARYADIT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UTIB0SJSD01

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 – JILA SAHKARI KENDRIYA BANK MARYADIT, ensure your bank's portal accepts IFSC UTIB0SJSD01 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Axis Bank JILA SAHKARI KENDRIYA BANK MARYADIT (IFSC UTIB0SJSD01)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0SJSD01 in your mobile or internet banking app, and the money is credited to the JILA SAHKARI KENDRIYA BANK MARYADIT branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UTIB0SJSD01 for Axis Bank – JILA SAHKARI KENDRIYA BANK MARYADIT, 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 Jila Sahkari Kendriya Bank Maryadit 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 JILA SAHKARI KENDRIYA BANK MARYADIT branch, the IFSC UTIB0SJSD01 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 Jila Sahkari Kendriya Bank Maryadit branch is mapped to IFSC UTIB0SJSD01 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 UTIB0SJSD01.

Banking services available

The Jila Sahkari Kendriya Bank Maryadit branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 788-2325789.

• 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 UTIB0SJSD01

MICR & cheque-truncation details

Cheques drawn on the Jila Sahkari Kendriya Bank Maryadit branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0SJSD01 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC UTIB0SJSD01

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the JILA SAHKARI KENDRIYA BANK MARYADIT 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 UTIB0SJSD01 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 UTIB0SJSD01

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 – JILA SAHKARI KENDRIYA BANK MARYADIT, 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: UTIB0SJSD01.
• 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 Jila Sahkari Kendriya Bank Maryadit branch

The branch is located at G E ROAD,DURG,CHHATTISGARH 491001, which puts it inside Durg, the broader Durg district, and the state of Chandigarh. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Jila Sahkari Kendriya Bank Maryadit branch” — the verified location pin for IFSC UTIB0SJSD01 should appear at the top of the results.
2. Confirm the branch is open by calling 788-2325789 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 UTIB0SJSD01 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0SJSD01 for Axis Bank – JILA SAHKARI KENDRIYA BANK MARYADIT, 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 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 Jila Sahkari Kendriya Bank Maryadit branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0SJSD01, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0SJSD01 is the IFSC code of Axis Bank, JILA SAHKARI KENDRIYA BANK MARYADIT branch, in DURG, CHANDIGARH. 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.