IFSC Code of Axis Bank, Mangaldai Nagar Samabai Bank Ltd Branch, Assam

Below are the complete branch details for Axis Bank, MANGALDAI NAGAR SAMABAI BANK LTD branch, located in MANGALDOI, ASSAM. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0SMNSB1. 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 UTIB0SMNSB1 for Axis Bank – MANGALDAI NAGAR SAMABAI BANK LTD — 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, UTIB0SMNSB1 is the IFSC of Axis Bank's MANGALDAI NAGAR SAMABAI BANK LTD branch. The format is fixed: UTIB = bank code, 0 = reserved, SMNSB1 = 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 Mangaldai Nagar Samabai Bank Ltd branch in Mangaldoi, Assam is part of this network and uses the IFSC code UTIB0SMNSB1 for all electronic settlement.

Branch details at a glance

Mangaldai Nagar Samabai Bank Ltd branch overview

Located at LNB ROAD MANGALDOI DISTDARRANG PIN 784125, the Mangaldai Nagar Samabai 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 UTIB0SMNSB1 is required for all interbank electronic transfers routed through this branch.

Why every Axis Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including MANGALDAI NAGAR SAMABAI BANK LTD of Axis Bank — its own 11-character IFSC. The code UTIB0SMNSB1 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC UTIB0SMNSB1 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Mangaldai Nagar Samabai Bank Ltd branch is mapped to IFSC UTIB0SMNSB1 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 UTIB0SMNSB1.

Products and services

Customers walking into the Mangaldai Nagar Samabai 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 UTIB0SMNSB1

How to transfer money using IFSC UTIB0SMNSB1

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 UTIB0SMNSB1 across all three.

NEFT to Axis Bank, MANGALDAI NAGAR SAMABAI BANK LTD using IFSC UTIB0SMNSB1

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 UTIB0SMNSB1, and confirm that the system picks up Axis Bank – MANGALDAI NAGAR SAMABAI BANK LTD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MANGALDAI NAGAR SAMABAI BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's MANGALDAI NAGAR SAMABAI BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0SMNSB1 while initiating the transfer and the credit will appear within minutes.

IMPS to Axis Bank MANGALDAI NAGAR SAMABAI BANK LTD (IFSC UTIB0SMNSB1)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0SMNSB1 in your mobile or internet banking app, and the money is credited to the MANGALDAI NAGAR SAMABAI BANK LTD branch account within seconds.

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

All three modes accept the IFSC UTIB0SMNSB1 for Axis Bank – MANGALDAI NAGAR SAMABAI 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 Mangaldai Nagar Samabai 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 MANGALDAI NAGAR SAMABAI BANK LTD branch, the IFSC UTIB0SMNSB1 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.

Digital banking channels

Most day-to-day work that customers used to do at the Mangaldai Nagar Samabai Bank Ltd 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 UTIB0SMNSB1 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 & cheque-truncation details

Cheques drawn on the Mangaldai Nagar Samabai Bank Ltd branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0SMNSB1 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – MANGALDAI NAGAR SAMABAI BANK LTD:

• The IFSC is exactly UTIB0SMNSB1 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 MANGALDAI NAGAR SAMABAI BANK LTD 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 Mangaldai Nagar Samabai Bank Ltd branch sits at LNB ROAD MANGALDOI DISTDARRANG PIN 784125. If you are travelling from outside Mangaldoi, search for the branch on a maps application using the bank name and locality, or call 3713-222343 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 UTIB0SMNSB1 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0SMNSB1 for Axis Bank – MANGALDAI NAGAR SAMABAI 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.

Working hours

Branch counters at Mangaldai Nagar Samabai Bank Ltd 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 UTIB0SMNSB1 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0SMNSB1 belongs to Axis Bank's MANGALDAI NAGAR SAMABAI BANK LTD branch, located at LNB ROAD MANGALDOI DISTDARRANG PIN 784125 in MANGALDOI, ASSAM. 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.