IFSC Code of Axis Bank, The Kakinada Coop Town Bank Branch, Andhra Pradesh

Below are the complete branch details for Axis Bank, THE KAKINADA COOP TOWN BANK branch, located in KAKINADA, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0SKCTBL. 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 UTIB0SKCTBL for Axis Bank – THE KAKINADA COOP TOWN BANK — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, UTIB0SKCTBL is the IFSC of Axis Bank's THE KAKINADA COOP TOWN BANK branch. The format is fixed: UTIB = bank code, 0 = reserved, SKCTBL = branch identifier.

About the bank

Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its The Kakinada Coop Town Bank branch in Kakinada, Andhra Pradesh is part of this network and uses the IFSC code UTIB0SKCTBL for all electronic settlement.

Branch details at a glance

About the The Kakinada Coop Town Bank branch

The The Kakinada Coop Town Bank branch of Axis Bank is situated at 26119TEMPLE STREET MAINROAD KAKINADA 533001. 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 UTIB0SKCTBL 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 THE KAKINADA COOP TOWN BANK branch came to be assigned the code UTIB0SKCTBL.

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 UTIB0SKCTBL, money simply cannot be routed to the THE KAKINADA COOP TOWN BANK branch electronically.

Products and account variants supported

Every account opened at the The Kakinada Coop Town Bank branch is mapped to IFSC UTIB0SKCTBL 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 UTIB0SKCTBL.

Products and services

Customers walking into the The Kakinada Coop Town Bank 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 UTIB0SKCTBL

How to transfer money using IFSC UTIB0SKCTBL

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 UTIB0SKCTBL across all three.

How to use IFSC UTIB0SKCTBL for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's THE KAKINADA COOP TOWN BANK 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 UTIB0SKCTBL.
4. Confirm the bank name auto-populates as Axis Bank and the branch as THE KAKINADA COOP TOWN BANK.
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 THE KAKINADA COOP TOWN BANK

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's THE KAKINADA COOP TOWN BANK branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0SKCTBL while initiating the transfer and the credit will appear within minutes.

IMPS to Axis Bank THE KAKINADA COOP TOWN BANK (IFSC UTIB0SKCTBL)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0SKCTBL in your mobile or internet banking app, and the money is credited to the THE KAKINADA COOP TOWN BANK branch account within seconds.

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

All three modes accept the IFSC UTIB0SKCTBL for Axis Bank – THE KAKINADA COOP TOWN BANK, 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 Kakinada Coop Town Bank 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.

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 THE KAKINADA COOP TOWN BANK branch, the IFSC UTIB0SKCTBL 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.

Online banking and IFSC UTIB0SKCTBL

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the THE KAKINADA COOP TOWN BANK 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 UTIB0SKCTBL 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 & cheque-truncation details

Cheques drawn on the The Kakinada Coop Town Bank branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0SKCTBL 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 UTIB0SKCTBL

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 KAKINADA COOP TOWN BANK, 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: UTIB0SKCTBL.
• 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.

Reaching the branch

The The Kakinada Coop Town Bank branch sits at 26119TEMPLE STREET MAINROAD KAKINADA 533001. If you are travelling from outside Kakinada, search for the branch on a maps application using the bank name and locality, or call 884-2375918 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC UTIB0SKCTBL and your account number.

Verifying IFSC UTIB0SKCTBL 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 UTIB0SKCTBL by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 884-2375918.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at The Kakinada Coop Town Bank 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 UTIB0SKCTBL continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0SKCTBL is the IFSC code of Axis Bank, THE KAKINADA COOP TOWN BANK branch, in KAKINADA, ANDHRA PRADESH. 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.