IFSC Code of Axis Bank, Shri Chatrapati Shivaji Maharaj Sah Branch, Karnataka

If you are searching for the IFSC code of Axis Bank, SHRI CHATRAPATI SHIVAJI MAHARAJ SAH branch in GULBARGA, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is UTIB0SCSMSB. 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 SHRI CHATRAPATI SHIVAJI MAHARAJ SAH branch, and detailed step-by-step guides for using the IFSC UTIB0SCSMSB 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.

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, UTIB0SCSMSB is the IFSC of Axis Bank's SHRI CHATRAPATI SHIVAJI MAHARAJ SAH branch. The format is fixed: UTIB = bank code, 0 = reserved, SCSMSB = branch identifier.

Branch details at a glance

About Axis Bank

Axis Bank operates a wide network of branches across India, including the Shri Chatrapati Shivaji Maharaj Sah branch in Gulbarga. 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, UTIB0SCSMSB.

About the Shri Chatrapati Shivaji Maharaj Sah branch

The Shri Chatrapati Shivaji Maharaj Sah branch of Axis Bank is situated at C BLOCK, SB TEMPLE ROAD, OPP FIRE STATION, GHANSHYAM COMPLEX. 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 UTIB0SCSMSB is used.

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 SHRI CHATRAPATI SHIVAJI MAHARAJ SAH branch came to be assigned the code UTIB0SCSMSB.

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 UTIB0SCSMSB, money simply cannot be routed to the SHRI CHATRAPATI SHIVAJI MAHARAJ SAH branch electronically.

How to transfer money using IFSC UTIB0SCSMSB

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 UTIB0SCSMSB across all three.

How to use IFSC UTIB0SCSMSB for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's SHRI CHATRAPATI SHIVAJI MAHARAJ SAH 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 UTIB0SCSMSB.
4. Confirm the bank name auto-populates as Axis Bank and the branch as SHRI CHATRAPATI SHIVAJI MAHARAJ SAH.
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 SHRI CHATRAPATI SHIVAJI MAHARAJ SAH

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's SHRI CHATRAPATI SHIVAJI MAHARAJ SAH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0SCSMSB 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 – SHRI CHATRAPATI SHIVAJI MAHARAJ SAH, use IMPS. With IFSC UTIB0SCSMSB and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Shri Chatrapati Shivaji Maharaj Sah

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 UTIB0SCSMSB:

• 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 SHRI CHATRAPATI SHIVAJI MAHARAJ SAH is still linked to IFSC UTIB0SCSMSB.

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 SHRI CHATRAPATI SHIVAJI MAHARAJ SAH branch, the IFSC UTIB0SCSMSB 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 Shri Chatrapati Shivaji Maharaj Sah branch is mapped to IFSC UTIB0SCSMSB 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 UTIB0SCSMSB.

Banking services available

The Shri Chatrapati Shivaji Maharaj Sah branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8472-232611.

• 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 UTIB0SCSMSB

MICR & cheque-truncation details

Cheques drawn on the Shri Chatrapati Shivaji Maharaj Sah branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0SCSMSB for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC UTIB0SCSMSB

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the SHRI CHATRAPATI SHIVAJI MAHARAJ SAH 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 UTIB0SCSMSB 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 UTIB0SCSMSB

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 – SHRI CHATRAPATI SHIVAJI MAHARAJ SAH, 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: UTIB0SCSMSB.
• 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 Shri Chatrapati Shivaji Maharaj Sah branch

The branch is located at C BLOCK, SB TEMPLE ROAD, OPP FIRE STATION, GHANSHYAM COMPLEX, which puts it inside Gulbarga, the broader Gulbarga district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Shri Chatrapati Shivaji Maharaj Sah branch” — the verified location pin for IFSC UTIB0SCSMSB should appear at the top of the results.
2. Confirm the branch is open by calling 8472-232611 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 UTIB0SCSMSB and your account number.

Verifying IFSC UTIB0SCSMSB 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 UTIB0SCSMSB by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8472-232611.
• Visiting the bank's official branch locator page.

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 Shri Chatrapati Shivaji Maharaj Sah branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0SCSMSB, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0SCSMSB is the IFSC code of Axis Bank, SHRI CHATRAPATI SHIVAJI MAHARAJ SAH branch, in GULBARGA, 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.