IFSC Code of Axis Bank, The Gurdaspur Central Cooperative Bank Ltd Branch, Punjab

Use this page as a one-stop reference for everything related to Axis Bank's THE GURDASPUR CENTRAL COOPERATIVE BANK LTD branch in GURDASPUR, PUNJAB. The branch's IFSC code UTIB0SGDS01 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.

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 – THE GURDASPUR CENTRAL COOPERATIVE BANK LTD is UTIB0SGDS01. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters SGDS01 map to this branch in GURDASPUR, PUNJAB.

About Axis Bank

Axis Bank operates a wide network of branches across India, including the The Gurdaspur Central Cooperative Bank Ltd branch in Gurdaspur. 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, UTIB0SGDS01.

Branch details at a glance

The Gurdaspur Central Cooperative Bank Ltd branch overview

Located at D.C.C. BANK BLDG., GROUND & IST FLOOR, G. P. O. , SADAR BAZAR, G.T. ROAD, GURDASPUR - 143521, the The Gurdaspur Central Cooperative Bank Ltd branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0SGDS01 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 THE GURDASPUR CENTRAL COOPERATIVE BANK LTD branch came to be assigned the code UTIB0SGDS01.

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 UTIB0SGDS01, money simply cannot be routed to the THE GURDASPUR CENTRAL COOPERATIVE BANK LTD branch electronically.

Account types you can open at the The Gurdaspur Central Cooperative Bank Ltd branch

Once you have an account at Axis Bank – THE GURDASPUR CENTRAL COOPERATIVE BANK LTD, the IFSC UTIB0SGDS01 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The The Gurdaspur Central Cooperative Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• 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 UTIB0SGDS01

How to transfer money using IFSC UTIB0SGDS01

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 UTIB0SGDS01 across all three.

NEFT to Axis Bank, THE GURDASPUR CENTRAL COOPERATIVE BANK LTD using IFSC UTIB0SGDS01

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 UTIB0SGDS01, and confirm that the system picks up Axis Bank – THE GURDASPUR CENTRAL COOPERATIVE BANK LTD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to THE GURDASPUR CENTRAL COOPERATIVE BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's THE GURDASPUR CENTRAL COOPERATIVE BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0SGDS01 while initiating the transfer and the credit will appear within minutes.

IMPS to Axis Bank THE GURDASPUR CENTRAL COOPERATIVE BANK LTD (IFSC UTIB0SGDS01)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0SGDS01 in your mobile or internet banking app, and the money is credited to the THE GURDASPUR CENTRAL COOPERATIVE BANK LTD branch account within seconds.

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

All three modes accept the IFSC UTIB0SGDS01 for Axis Bank – THE GURDASPUR CENTRAL COOPERATIVE BANK LTD, 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 The Gurdaspur Central Cooperative Bank Ltd 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.

UPI payments and IFSC UTIB0SGDS01

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Axis Bank – THE GURDASPUR CENTRAL COOPERATIVE BANK LTD is still mapped to IFSC UTIB0SGDS01. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC UTIB0SGDS01 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the The Gurdaspur Central Cooperative Bank Ltd 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 UTIB0SGDS01 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 The Gurdaspur Central Cooperative Bank Ltd branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0SGDS01 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC UTIB0SGDS01

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 – THE GURDASPUR CENTRAL COOPERATIVE BANK LTD, 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: UTIB0SGDS01.
• 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 The Gurdaspur Central Cooperative Bank Ltd branch

The branch is located at D.C.C. BANK BLDG., GROUND & IST FLOOR, G. P. O. , SADAR BAZAR, G.T. ROAD, GURDASPUR - 143521, which puts it inside Gurdaspur, the broader Gurdaspur district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank The Gurdaspur Central Cooperative Bank Ltd branch” — the verified location pin for IFSC UTIB0SGDS01 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 UTIB0SGDS01 and your account number.

Verifying IFSC UTIB0SGDS01 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 UTIB0SGDS01 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 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 The Gurdaspur Central Cooperative Bank Ltd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0SGDS01, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0SGDS01 belongs to Axis Bank's THE GURDASPUR CENTRAL COOPERATIVE BANK LTD branch, located at D.C.C. BANK BLDG., GROUND & IST FLOOR, G. P. O. , SADAR BAZAR, G.T. ROAD,… in GURDASPUR, PUNJAB. 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.