Below are the complete branch details for Axis Bank, THE GURGAON CENTRAL COOPERATIVE BANK LIMITED branch, located in JHARSA, HARYANA. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0SGCB02. 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 UTIB0SGCB02 for Axis Bank – THE GURGAON CENTRAL COOPERATIVE BANK LIMITED — 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 THE GURGAON CENTRAL COOPERATIVE BANK LIMITED branch, the IFSC UTIB0SGCB02 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and SGCB02 identifies this particular branch.
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The The Gurgaon Central Cooperative Bank Limited branch — IFSC UTIB0SGCB02 — extends the bank's services to customers in and around Jharsa, Haryana.
The Gurgaon Central Cooperative Bank Limited branch overview
Located at B.O. JHARSA BRANCH MANAGER, THE GURGAON CENTRAL COOPERATIVE BANK LTD, JHARSA GURGAON, the The Gurgaon Central Cooperative Bank Limited branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0SGCB02 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | The Gurgaon Central Cooperative Bank Limited |
| IFSC Code | UTIB0SGCB02 |
| MICR Code | Refer to cheque leaf |
| Branch Address | B.O. JHARSA BRANCH MANAGER, THE GURGAON CENTRAL COOPERATIVE BANK LTD, JHARSA GURGAON |
| City | Jharsa |
| District | Gurgaon |
| State | Haryana |
| STD Code | 0 |
| Phone | 0 |
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 THE GURGAON CENTRAL COOPERATIVE BANK LIMITED of Axis Bank — its own 11-character IFSC. The code UTIB0SGCB02 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 UTIB0SGCB02 the same way you would treat your account number — verify it once and save it carefully for future use.
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 UTIB0SGCB02 and the account number together uniquely identify the The Gurgaon Central Cooperative Bank Limited branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UTIB0SGCB02
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 UTIB0SGCB02 across all three.
NEFT to Axis Bank, THE GURGAON CENTRAL COOPERATIVE BANK LIMITED using IFSC UTIB0SGCB02
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 UTIB0SGCB02, and confirm that the system picks up Axis Bank – THE GURGAON CENTRAL COOPERATIVE BANK LIMITED. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0SGCB02
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 – THE GURGAON CENTRAL COOPERATIVE BANK LIMITED, ensure your bank's portal accepts IFSC UTIB0SGCB02 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Axis Bank THE GURGAON CENTRAL COOPERATIVE BANK LIMITED (IFSC UTIB0SGCB02)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0SGCB02 in your mobile or internet banking app, and the money is credited to the THE GURGAON CENTRAL COOPERATIVE BANK LIMITED branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to The Gurgaon Central Cooperative Bank Limited
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 UTIB0SGCB02:
- 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 THE GURGAON CENTRAL COOPERATIVE BANK LIMITED is still linked to IFSC UTIB0SGCB02.
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 UTIB0SGCB02
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 GURGAON CENTRAL COOPERATIVE BANK LIMITED is still mapped to IFSC UTIB0SGCB02. 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 UTIB0SGCB02 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the The Gurgaon Central Cooperative Bank Limited branch is mapped to IFSC UTIB0SGCB02 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 UTIB0SGCB02.
Banking services available
The The Gurgaon Central Cooperative Bank Limited branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 0.
- 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 UTIB0SGCB02
Digital banking channels
Most day-to-day work that customers used to do at the The Gurgaon Central Cooperative Bank Limited 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 UTIB0SGCB02 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.
How to reach the The Gurgaon Central Cooperative Bank Limited branch
The branch is located at B.O. JHARSA BRANCH MANAGER, THE GURGAON CENTRAL COOPERATIVE BANK LTD, JHARSA GURGAON, which puts it inside Jharsa, the broader Gurgaon district, and the state of Haryana. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank The Gurgaon Central Cooperative Bank Limited branch” — the verified location pin for IFSC UTIB0SGCB02 should appear at the top of the results.
- Confirm the branch is open by calling 0 before stepping out, especially around public holidays.
- 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 UTIB0SGCB02 and your account number.
Common mistakes to avoid when using IFSC UTIB0SGCB02
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 GURGAON CENTRAL COOPERATIVE BANK LIMITED, 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:
UTIB0SGCB02. - 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.
Working hours
Branch counters at The Gurgaon Central Cooperative Bank Limited are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to UTIB0SGCB02 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0SGCB02 for Axis Bank – THE GURGAON CENTRAL COOPERATIVE BANK LIMITED, 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 address & contact
Axis BankThe Gurgaon Central Cooperative Bank Limited Branch
B.O. JHARSA BRANCH MANAGER, THE GURGAON CENTRAL COOPERATIVE BANK LTD, JHARSA GURGAON
Jharsa, Haryana
Phone: 0
IFSC: UTIB0SGCB02
Frequently asked questions
How do I add Axis Bank The Gurgaon Central Cooperative Bank Limited as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0SGCB02, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UTIB0SGCB02 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – The Gurgaon Central Cooperative Bank Limited reflect within 30 minutes.
Can I use IFSC UTIB0SGCB02 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0SGCB02 to send funds instantly.
What is the IFSC code of Axis Bank The Gurgaon Central Cooperative Bank Limited branch?
The IFSC code of Axis Bank, The Gurgaon Central Cooperative Bank Limited branch is UTIB0SGCB02. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the The Gurgaon Central Cooperative Bank Limited branch but serve different purposes.
Is IFSC UTIB0SGCB02 valid for NEFT and RTGS?
Yes. IFSC UTIB0SGCB02 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code UTIB0SGCB02 belongs to Axis Bank's THE GURGAON CENTRAL COOPERATIVE BANK LIMITED branch, located at B.O. JHARSA BRANCH MANAGER, THE GURGAON CENTRAL COOPERATIVE BANK LTD, … in JHARSA, HARYANA. 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.
