IFSC Code of Axis Bank, Nagar Sahakari Bank Ltd Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Axis Bank's NAGAR SAHAKARI BANK LTD branch in KATAHARI, UTTAR PRADESH. The branch's IFSC code UTIB0SNSB13 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 NAGAR SAHAKARI BANK LTD branch, the IFSC UTIB0SNSB13 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and SNSB13 identifies this particular branch.

Branch details at a glance

About Axis Bank

Axis Bank operates a wide network of branches across India, including the Nagar Sahakari Bank Ltd branch in Katahari. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UTIB0SNSB13.

Nagar Sahakari Bank Ltd branch overview

Located at KATAHARI RESIDENTIAL AREA,PO-NICHLAUL,MAHARAJGANJ,UP, the Nagar Sahakari Bank Ltd branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0SNSB13 is required for all interbank electronic transfers routed through this branch.

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 NAGAR SAHAKARI BANK LTD branch came to be assigned the code UTIB0SNSB13.

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 UTIB0SNSB13, money simply cannot be routed to the NAGAR SAHAKARI BANK LTD branch electronically.

How to transfer money using IFSC UTIB0SNSB13

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 UTIB0SNSB13 across all three.

How to use IFSC UTIB0SNSB13 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's NAGAR SAHAKARI BANK LTD 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 UTIB0SNSB13.
4. Confirm the bank name auto-populates as Axis Bank and the branch as NAGAR SAHAKARI BANK LTD.
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 UTIB0SNSB13

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 – NAGAR SAHAKARI BANK LTD, ensure your bank's portal accepts IFSC UTIB0SNSB13 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Axis Bank NAGAR SAHAKARI BANK LTD (IFSC UTIB0SNSB13)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0SNSB13 in your mobile or internet banking app, and the money is credited to the NAGAR SAHAKARI BANK LTD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Nagar Sahakari Bank Ltd

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 UTIB0SNSB13:

• 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 NAGAR SAHAKARI BANK LTD is still linked to IFSC UTIB0SNSB13.

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 UTIB0SNSB13

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 – NAGAR SAHAKARI BANK LTD is still mapped to IFSC UTIB0SNSB13. 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 UTIB0SNSB13 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Nagar Sahakari Bank Ltd branch is mapped to IFSC UTIB0SNSB13 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 UTIB0SNSB13.

Products and services

Customers walking into the Nagar Sahakari Bank Ltd 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 UTIB0SNSB13

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 UTIB0SNSB13 and the account number together uniquely identify the Nagar Sahakari Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC UTIB0SNSB13

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the NAGAR SAHAKARI BANK LTD 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 UTIB0SNSB13 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.

Common mistakes to avoid when using IFSC UTIB0SNSB13

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 – NAGAR SAHAKARI BANK LTD, 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: UTIB0SNSB13.
• 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 Nagar Sahakari Bank Ltd branch sits at KATAHARI RESIDENTIAL AREA,PO-NICHLAUL,MAHARAJGANJ,UP. If you are travelling from outside Katahari, search for the branch on a maps application using the bank name and locality, or call 5523-223328 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 UTIB0SNSB13 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0SNSB13 for Axis Bank – NAGAR SAHAKARI BANK LTD, 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 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 Nagar Sahakari Bank Ltd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0SNSB13, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0SNSB13 is the IFSC code of Axis Bank, NAGAR SAHAKARI BANK LTD branch, in KATAHARI, UTTAR 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.