IFSC Code of Axis Bank, Shri Gurusiddheshwar Cooperative Bank Ltd Hubli Branch, Karnataka

This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, SHRI GURUSIDDHESHWAR COOPERATIVE BANK LTD HUBLI branch in HUBBALLI. The 11-digit IFSC UTIB0SGSCBH 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 SHRI GURUSIDDHESHWAR COOPERATIVE BANK LTD HUBLI 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.

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 SHRI GURUSIDDHESHWAR COOPERATIVE BANK LTD HUBLI branch, the IFSC UTIB0SGSCBH breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and SGSCBH identifies this particular branch.

About the bank

Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Shri Gurusiddheshwar Cooperative Bank Ltd Hubli branch in Hubballi, Karnataka is part of this network and uses the IFSC code UTIB0SGSCBH for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at MADHURA PLAZA, DAJIBHAN PETH. It serves the Hubballi 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 UTIB0SGSCBH is used to identify this branch on the RBI payments network.

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 GURUSIDDHESHWAR COOPERATIVE BANK LTD HUBLI branch came to be assigned the code UTIB0SGSCBH.

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 UTIB0SGSCBH, money simply cannot be routed to the SHRI GURUSIDDHESHWAR COOPERATIVE BANK LTD HUBLI branch electronically.

Products and account variants supported

Every account opened at the Shri Gurusiddheshwar Cooperative Bank Ltd Hubli branch is mapped to IFSC UTIB0SGSCBH 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 UTIB0SGSCBH.

Banking services available

The Shri Gurusiddheshwar Cooperative Bank Ltd Hubli branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 836-2322087.

• 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 UTIB0SGSCBH

How to transfer money using IFSC UTIB0SGSCBH

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 UTIB0SGSCBH across all three.

NEFT to Axis Bank, SHRI GURUSIDDHESHWAR COOPERATIVE BANK LTD HUBLI using IFSC UTIB0SGSCBH

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 UTIB0SGSCBH, and confirm that the system picks up Axis Bank – SHRI GURUSIDDHESHWAR COOPERATIVE BANK LTD HUBLI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SHRI GURUSIDDHESHWAR COOPERATIVE BANK LTD HUBLI

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's SHRI GURUSIDDHESHWAR COOPERATIVE BANK LTD HUBLI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0SGSCBH while initiating the transfer and the credit will appear within minutes.

IMPS to Axis Bank SHRI GURUSIDDHESHWAR COOPERATIVE BANK LTD HUBLI (IFSC UTIB0SGSCBH)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0SGSCBH in your mobile or internet banking app, and the money is credited to the SHRI GURUSIDDHESHWAR COOPERATIVE BANK LTD HUBLI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Shri Gurusiddheshwar Cooperative Bank Ltd Hubli

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 UTIB0SGSCBH:

• 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 GURUSIDDHESHWAR COOPERATIVE BANK LTD HUBLI is still linked to IFSC UTIB0SGSCBH.

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.

UPI payments and IFSC UTIB0SGSCBH

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 – SHRI GURUSIDDHESHWAR COOPERATIVE BANK LTD HUBLI is still mapped to IFSC UTIB0SGSCBH. 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 UTIB0SGSCBH 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 Shri Gurusiddheshwar Cooperative Bank Ltd Hubli 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 UTIB0SGSCBH 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 code & cheque clearing

Apart from IFSC, every cheque book issued by Axis Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC UTIB0SGSCBH and the account number together uniquely identify the Shri Gurusiddheshwar Cooperative Bank Ltd Hubli branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – SHRI GURUSIDDHESHWAR COOPERATIVE BANK LTD HUBLI:

• The IFSC is exactly UTIB0SGSCBH 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 SHRI GURUSIDDHESHWAR COOPERATIVE BANK LTD HUBLI 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.

How to reach the Shri Gurusiddheshwar Cooperative Bank Ltd Hubli branch

The branch is located at MADHURA PLAZA, DAJIBHAN PETH, which puts it inside Hubballi, the broader Hubballi district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Shri Gurusiddheshwar Cooperative Bank Ltd Hubli branch” — the verified location pin for IFSC UTIB0SGSCBH should appear at the top of the results.
2. Confirm the branch is open by calling 836-2322087 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 UTIB0SGSCBH and your account number.

Verifying IFSC UTIB0SGSCBH 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 UTIB0SGSCBH by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 836-2322087.
• 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 Gurusiddheshwar Cooperative Bank Ltd Hubli branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0SGSCBH, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0SGSCBH belongs to Axis Bank's SHRI GURUSIDDHESHWAR COOPERATIVE BANK LTD HUBLI branch, located at MADHURA PLAZA, DAJIBHAN PETH in HUBBALLI, KARNATAKA. 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.