IFSC Code of Axis Bank, The Gurgaon Central Cooperative Bank Limited Branch, Haryana

Below are the complete branch details for Axis Bank, THE GURGAON CENTRAL COOPERATIVE BANK LIMITED branch, located in KALWADI, HARYANA. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0SGCB15. 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 UTIB0SGCB15 for Axis Bank – THE GURGAON CENTRAL COOPERATIVE BANK LIMITED — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 GURGAON CENTRAL COOPERATIVE BANK LIMITED is UTIB0SGCB15. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters SGCB15 map to this branch in KALWADI, HARYANA.

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 UTIB0SGCB15 — extends the bank's services to customers in and around Kalwadi, Haryana.

Branch details at a glance

About this branch

The branch is located at B.O. KALWARI, BRANCH MANAGER, THE GURGAON CENTRAL COOPERATIVE BANK LTD, DISTT- MEWAT, HARYANA. It serves the Kalwadi 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 UTIB0SGCB15 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 THE GURGAON CENTRAL COOPERATIVE BANK LIMITED branch came to be assigned the code UTIB0SGCB15.

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 UTIB0SGCB15, money simply cannot be routed to the THE GURGAON CENTRAL COOPERATIVE BANK LIMITED branch electronically.

Products and account variants supported

Every account opened at the The Gurgaon Central Cooperative Bank Limited branch is mapped to IFSC UTIB0SGCB15 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 UTIB0SGCB15.

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 UTIB0SGCB15

How to transfer money using IFSC UTIB0SGCB15

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 UTIB0SGCB15 across all three.

How to use IFSC UTIB0SGCB15 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's THE GURGAON CENTRAL COOPERATIVE BANK LIMITED 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 UTIB0SGCB15.
4. Confirm the bank name auto-populates as Axis Bank and the branch as THE GURGAON CENTRAL COOPERATIVE BANK LIMITED.
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 GURGAON CENTRAL COOPERATIVE BANK LIMITED

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's THE GURGAON CENTRAL COOPERATIVE BANK LIMITED branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0SGCB15 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Axis Bank – THE GURGAON CENTRAL COOPERATIVE BANK LIMITED, use IMPS. With IFSC UTIB0SGCB15 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 UTIB0SGCB15 for Axis Bank – THE GURGAON CENTRAL COOPERATIVE BANK LIMITED, 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 Gurgaon Central Cooperative Bank Limited 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 UTIB0SGCB15

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 UTIB0SGCB15. 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 UTIB0SGCB15 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 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 UTIB0SGCB15 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 UTIB0SGCB15 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.

Common mistakes to avoid when using IFSC UTIB0SGCB15

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: UTIB0SGCB15.
• 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 Gurgaon Central Cooperative Bank Limited branch

The branch is located at B.O. KALWARI, BRANCH MANAGER, THE GURGAON CENTRAL COOPERATIVE BANK LTD, DISTT- MEWAT, HARYANA, which puts it inside Kalwadi, the broader Gurgaon district, and the state of Haryana. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank The Gurgaon Central Cooperative Bank Limited branch” — the verified location pin for IFSC UTIB0SGCB15 should appear at the top of the results.
2. Confirm the branch is open by calling 0 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 UTIB0SGCB15 and your account number.

Verifying IFSC UTIB0SGCB15 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 UTIB0SGCB15 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 0.
• Visiting the bank's official branch locator page.

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 UTIB0SGCB15 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0SGCB15 is the IFSC code of Axis Bank, THE GURGAON CENTRAL COOPERATIVE BANK LIMITED branch, in KALWADI, HARYANA. 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.