IFSC Code of Axis Bank, Mahemdavad Urban Peoples Coop Bank Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, MAHEMDAVAD URBAN PEOPLES COOP BANK branch in MEHMEDABAD. The 11-digit IFSC UTIB0MUPC01 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 MAHEMDAVAD URBAN PEOPLES COOP 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 MAHEMDAVAD URBAN PEOPLES COOP BANK branch, the IFSC UTIB0MUPC01 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and MUPC01 identifies this particular branch.

About Axis Bank

Axis Bank operates a wide network of branches across India, including the Mahemdavad Urban Peoples Coop Bank branch in Mehmedabad. 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, UTIB0MUPC01.

Branch details at a glance

About this branch

The branch is located at BANK ROAD, BHAVSARVAD, MAHEMDAVAD-387130. It serves the Mehmedabad 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 UTIB0MUPC01 is used to identify this branch on the RBI payments network.

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 MAHEMDAVAD URBAN PEOPLES COOP BANK of Axis Bank — its own 11-character IFSC. The code UTIB0MUPC01 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 UTIB0MUPC01 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 Mahemdavad Urban Peoples Coop Bank branch is mapped to IFSC UTIB0MUPC01 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 UTIB0MUPC01.

Products and services

Customers walking into the Mahemdavad Urban Peoples Coop Bank 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 UTIB0MUPC01

How to transfer money using IFSC UTIB0MUPC01

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 UTIB0MUPC01 across all three.

How to use IFSC UTIB0MUPC01 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's MAHEMDAVAD URBAN PEOPLES COOP BANK 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 UTIB0MUPC01.
4. Confirm the bank name auto-populates as Axis Bank and the branch as MAHEMDAVAD URBAN PEOPLES COOP BANK.
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 UTIB0MUPC01

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 – MAHEMDAVAD URBAN PEOPLES COOP BANK, ensure your bank's portal accepts IFSC UTIB0MUPC01 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Axis Bank MAHEMDAVAD URBAN PEOPLES COOP BANK (IFSC UTIB0MUPC01)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0MUPC01 in your mobile or internet banking app, and the money is credited to the MAHEMDAVAD URBAN PEOPLES COOP BANK branch account within seconds.

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

All three modes accept the IFSC UTIB0MUPC01 for Axis Bank – MAHEMDAVAD URBAN PEOPLES COOP BANK, 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 Mahemdavad Urban Peoples Coop Bank 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 UTIB0MUPC01

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 – MAHEMDAVAD URBAN PEOPLES COOP BANK is still mapped to IFSC UTIB0MUPC01. 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 UTIB0MUPC01 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 Mahemdavad Urban Peoples Coop Bank 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 UTIB0MUPC01 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 UTIB0MUPC01 and the account number together uniquely identify the Mahemdavad Urban Peoples Coop Bank 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 UTIB0MUPC01

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 – MAHEMDAVAD URBAN PEOPLES COOP BANK, 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: UTIB0MUPC01.
• 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 Mahemdavad Urban Peoples Coop Bank branch

The branch is located at BANK ROAD, BHAVSARVAD, MAHEMDAVAD-387130, which puts it inside Mehmedabad, the broader Kheda district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Mahemdavad Urban Peoples Coop Bank branch” — the verified location pin for IFSC UTIB0MUPC01 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 UTIB0MUPC01 and your account number.

Verifying IFSC UTIB0MUPC01 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 UTIB0MUPC01 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.

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 Mahemdavad Urban Peoples Coop Bank branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0MUPC01, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0MUPC01 belongs to Axis Bank's MAHEMDAVAD URBAN PEOPLES COOP BANK branch, located at BANK ROAD, BHAVSARVAD, MAHEMDAVAD-387130 in MEHMEDABAD, GUJARAT. 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.