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

Below are the complete branch details for Axis Bank, JILA SAHKARI KENDRIYA BANK MARYADIT branch, located in JAGDALPUR, CHANDIGARH. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0SJSJ01. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UTIB0SJSJ01 for Axis Bank – JILA SAHKARI KENDRIYA BANK MARYADIT — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 UTIB0SJSJ01 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and SJSJ01 identifies this particular branch.

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Jila Sahkari Kendriya Bank Maryadit branch — IFSC UTIB0SJSJ01 — extends the bank's services to customers in and around Jagdalpur, Chandigarh.

Branch details at a glance

About the Jila Sahkari Kendriya Bank Maryadit branch

The Jila Sahkari Kendriya Bank Maryadit branch of Axis Bank is situated at DISTRICT CO OP BANK,JAGDALPUR,CHHATTISGARH 494001. 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 UTIB0SJSJ01 is used.

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 JILA SAHKARI KENDRIYA BANK MARYADIT of Axis Bank — its own 11-character IFSC. The code UTIB0SJSJ01 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 UTIB0SJSJ01 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 Jila Sahkari Kendriya Bank Maryadit branch is mapped to IFSC UTIB0SJSJ01 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 UTIB0SJSJ01.

Products and services

Customers walking into the Jila Sahkari Kendriya Bank Maryadit 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 UTIB0SJSJ01

How to transfer money using IFSC UTIB0SJSJ01

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 UTIB0SJSJ01 across all three.

How to use IFSC UTIB0SJSJ01 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's JILA SAHKARI KENDRIYA BANK MARYADIT 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 UTIB0SJSJ01.
4. Confirm the bank name auto-populates as Axis Bank and the branch as JILA SAHKARI KENDRIYA BANK MARYADIT.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UTIB0SJSJ01

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 UTIB0SJSJ01 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Axis Bank – JILA SAHKARI KENDRIYA BANK MARYADIT, use IMPS. With IFSC UTIB0SJSJ01 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC UTIB0SJSJ01 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.

UPI payments and IFSC UTIB0SJSJ01

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 – JILA SAHKARI KENDRIYA BANK MARYADIT is still mapped to IFSC UTIB0SJSJ01. 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 UTIB0SJSJ01 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UTIB0SJSJ01

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 UTIB0SJSJ01 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.

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 UTIB0SJSJ01 and the account number together uniquely identify the Jila Sahkari Kendriya Bank Maryadit 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 – JILA SAHKARI KENDRIYA BANK MARYADIT:

• The IFSC is exactly UTIB0SJSJ01 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 JILA SAHKARI KENDRIYA BANK MARYADIT 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 Jila Sahkari Kendriya Bank Maryadit branch

The branch is located at DISTRICT CO OP BANK,JAGDALPUR,CHHATTISGARH 494001, which puts it inside Jagdalpur, the broader Bastar 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 UTIB0SJSJ01 should appear at the top of the results.
2. Confirm the branch is open by calling 7782-228154 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 UTIB0SJSJ01 and your account number.

Verifying IFSC UTIB0SJSJ01 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 UTIB0SJSJ01 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 7782-228154.
• 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 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 UTIB0SJSJ01, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0SJSJ01 is the IFSC code of Axis Bank, JILA SAHKARI KENDRIYA BANK MARYADIT branch, in JAGDALPUR, 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.