IFSC Code of Axis Bank, The Kumta Urban Cooperative Bank Branch, Karnataka

This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, THE KUMTA URBAN COOPERATIVE BANK branch in KUMTA. The 11-digit IFSC UTIB0SKUCBL uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Axis Bank at the THE KUMTA URBAN COOPERATIVE BANK location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 KUMTA URBAN COOPERATIVE BANK branch, the IFSC UTIB0SKUCBL breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and SKUCBL identifies this particular branch.

Branch details at a glance

About Axis Bank

Axis Bank operates a wide network of branches across India, including the The Kumta Urban Cooperative Bank branch in Kumta. 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, UTIB0SKUCBL.

About the The Kumta Urban Cooperative Bank branch

The The Kumta Urban Cooperative Bank branch of Axis Bank is situated at SUBHAS ROAD, KUMTA, 581343. 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 UTIB0SKUCBL 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 KUMTA URBAN COOPERATIVE BANK branch came to be assigned the code UTIB0SKUCBL.

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 UTIB0SKUCBL, money simply cannot be routed to the THE KUMTA URBAN COOPERATIVE BANK branch electronically.

How to transfer money using IFSC UTIB0SKUCBL

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 UTIB0SKUCBL across all three.

NEFT to Axis Bank, THE KUMTA URBAN COOPERATIVE BANK using IFSC UTIB0SKUCBL

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 UTIB0SKUCBL, and confirm that the system picks up Axis Bank – THE KUMTA URBAN COOPERATIVE BANK. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UTIB0SKUCBL

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 KUMTA URBAN COOPERATIVE BANK, ensure your bank's portal accepts IFSC UTIB0SKUCBL while registering the beneficiary. RTGS is also available 24x7.

IMPS to Axis Bank THE KUMTA URBAN COOPERATIVE BANK (IFSC UTIB0SKUCBL)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0SKUCBL in your mobile or internet banking app, and the money is credited to the THE KUMTA URBAN COOPERATIVE BANK branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to The Kumta Urban Cooperative Bank

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 UTIB0SKUCBL:

• 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 KUMTA URBAN COOPERATIVE BANK is still linked to IFSC UTIB0SKUCBL.

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 UTIB0SKUCBL

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 KUMTA URBAN COOPERATIVE BANK is still mapped to IFSC UTIB0SKUCBL. 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 UTIB0SKUCBL and the beneficiary's account number to complete the transfer.

Account types you can open at the The Kumta Urban Cooperative Bank branch

Once you have an account at Axis Bank – THE KUMTA URBAN COOPERATIVE BANK, the IFSC UTIB0SKUCBL stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The The Kumta Urban Cooperative Bank branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8384-222027.

• 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 UTIB0SKUCBL

MICR & cheque-truncation details

Cheques drawn on the The Kumta Urban Cooperative Bank branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0SKUCBL for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC UTIB0SKUCBL

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the THE KUMTA URBAN COOPERATIVE 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 UTIB0SKUCBL 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.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Axis Bank – THE KUMTA URBAN COOPERATIVE BANK:

• The IFSC is exactly UTIB0SKUCBL with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Axis Bank as the bank name and THE KUMTA URBAN COOPERATIVE BANK as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Reaching the branch

The The Kumta Urban Cooperative Bank branch sits at SUBHAS ROAD, KUMTA, 581343. If you are travelling from outside Kumta, search for the branch on a maps application using the bank name and locality, or call 8384-222027 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 UTIB0SKUCBL and your account number.

Verifying IFSC UTIB0SKUCBL 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 UTIB0SKUCBL by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8384-222027.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at The Kumta Urban Cooperative 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 UTIB0SKUCBL continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0SKUCBL belongs to Axis Bank's THE KUMTA URBAN COOPERATIVE BANK branch, located at SUBHAS ROAD, KUMTA, 581343 in KUMTA, KARNATAKA. 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.