IFSC Code of Axis Bank, Kottakkal Co Op Urban Bank Ltd Branch, Kerala

Use this page as a one-stop reference for everything related to Axis Bank's KOTTAKKAL CO OP URBAN BANK LTD branch in KOTTAKKAL, KERALA. The branch's IFSC code UTIB0SKCU78 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.

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 – KOTTAKKAL CO OP URBAN BANK LTD is UTIB0SKCU78. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters SKCU78 map to this branch in KOTTAKKAL, KERALA.

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kottakkal Co Op Urban Bank Ltd branch — IFSC UTIB0SKCU78 — extends the bank's services to customers in and around Kottakkal, Kerala.

Branch details at a glance

About this branch

The branch is located at HEAD OFFICE,KOTTAPPADY,KOTTAKKAL,PIN.676503. It serves the Kottakkal 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 UTIB0SKCU78 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 KOTTAKKAL CO OP URBAN BANK LTD branch came to be assigned the code UTIB0SKCU78.

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 UTIB0SKCU78, money simply cannot be routed to the KOTTAKKAL CO OP URBAN BANK LTD branch electronically.

Products and account variants supported

Every account opened at the Kottakkal Co Op Urban Bank Ltd branch is mapped to IFSC UTIB0SKCU78 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 UTIB0SKCU78.

Banking services available

The Kottakkal Co Op Urban Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 483-2742246.

• 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 UTIB0SKCU78

How to transfer money using IFSC UTIB0SKCU78

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 UTIB0SKCU78 across all three.

How to use IFSC UTIB0SKCU78 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's KOTTAKKAL CO OP URBAN 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 UTIB0SKCU78.
4. Confirm the bank name auto-populates as Axis Bank and the branch as KOTTAKKAL CO OP URBAN BANK LTD.
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 KOTTAKKAL CO OP URBAN BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's KOTTAKKAL CO OP URBAN BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0SKCU78 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 – KOTTAKKAL CO OP URBAN BANK LTD, use IMPS. With IFSC UTIB0SKCU78 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 UTIB0SKCU78 for Axis Bank – KOTTAKKAL CO OP URBAN BANK LTD, 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 Kottakkal Co Op Urban Bank Ltd 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 KOTTAKKAL CO OP URBAN BANK LTD branch, the IFSC UTIB0SKCU78 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 UTIB0SKCU78

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the KOTTAKKAL CO OP URBAN 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 UTIB0SKCU78 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 Kottakkal Co Op Urban Bank Ltd branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0SKCU78 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 UTIB0SKCU78

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 – KOTTAKKAL CO OP URBAN 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: UTIB0SKCU78.
• 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 Kottakkal Co Op Urban Bank Ltd branch

The branch is located at HEAD OFFICE,KOTTAPPADY,KOTTAKKAL,PIN.676503, which puts it inside Kottakkal, the broader Malappuram district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Kottakkal Co Op Urban Bank Ltd branch” — the verified location pin for IFSC UTIB0SKCU78 should appear at the top of the results.
2. Confirm the branch is open by calling 483-2742246 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 UTIB0SKCU78 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0SKCU78 for Axis Bank – KOTTAKKAL CO OP URBAN 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 Kottakkal Co Op Urban Bank Ltd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0SKCU78, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0SKCU78 belongs to Axis Bank's KOTTAKKAL CO OP URBAN BANK LTD branch, located at HEAD OFFICE,KOTTAPPADY,KOTTAKKAL,PIN.676503 in KOTTAKKAL, KERALA. 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.