IFSC Code of Axis Bank, The Muktsar Central Cooperative Bank Ltd Branch, Punjab

Use this page as a one-stop reference for everything related to Axis Bank's THE MUKTSAR CENTRAL COOPERATIVE BANK LTD branch in MUKTSAR, PUNJAB. The branch's IFSC code UTIB0SMCC01 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 – THE MUKTSAR CENTRAL COOPERATIVE BANK LTD is UTIB0SMCC01. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters SMCC01 map to this branch in MUKTSAR, PUNJAB.

About Axis Bank

Axis Bank operates a wide network of branches across India, including the The Muktsar Central Cooperative Bank Ltd branch in Muktsar. 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, UTIB0SMCC01.

Branch details at a glance

About the The Muktsar Central Cooperative Bank Ltd branch

The The Muktsar Central Cooperative Bank Ltd branch of Axis Bank is situated at ADARSH NAGAR, ADARSH SCHOOL, KOTAKPURA ROAD,MUKTSAR. 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 UTIB0SMCC01 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 MUKTSAR CENTRAL COOPERATIVE BANK LTD branch came to be assigned the code UTIB0SMCC01.

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 UTIB0SMCC01, money simply cannot be routed to the THE MUKTSAR CENTRAL COOPERATIVE BANK LTD branch electronically.

Products and account variants supported

Every account opened at the The Muktsar Central Cooperative Bank Ltd branch is mapped to IFSC UTIB0SMCC01 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 UTIB0SMCC01.

Products and services

Customers walking into the The Muktsar Central Cooperative 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 UTIB0SMCC01

How to transfer money using IFSC UTIB0SMCC01

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 UTIB0SMCC01 across all three.

How to use IFSC UTIB0SMCC01 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's THE MUKTSAR CENTRAL COOPERATIVE 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 UTIB0SMCC01.
4. Confirm the bank name auto-populates as Axis Bank and the branch as THE MUKTSAR CENTRAL COOPERATIVE 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 UTIB0SMCC01

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 MUKTSAR CENTRAL COOPERATIVE BANK LTD, ensure your bank's portal accepts IFSC UTIB0SMCC01 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Axis Bank THE MUKTSAR CENTRAL COOPERATIVE BANK LTD (IFSC UTIB0SMCC01)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0SMCC01 in your mobile or internet banking app, and the money is credited to the THE MUKTSAR CENTRAL COOPERATIVE BANK LTD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to The Muktsar Central Cooperative 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 UTIB0SMCC01:

• 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 MUKTSAR CENTRAL COOPERATIVE BANK LTD is still linked to IFSC UTIB0SMCC01.

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 UTIB0SMCC01

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 MUKTSAR CENTRAL COOPERATIVE BANK LTD is still mapped to IFSC UTIB0SMCC01. 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 UTIB0SMCC01 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 The Muktsar Central Cooperative 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 UTIB0SMCC01 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 UTIB0SMCC01 and the account number together uniquely identify the The Muktsar Central Cooperative Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 MUKTSAR CENTRAL COOPERATIVE BANK LTD:

• The IFSC is exactly UTIB0SMCC01 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 MUKTSAR CENTRAL COOPERATIVE 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.

How to reach the The Muktsar Central Cooperative Bank Ltd branch

The branch is located at ADARSH NAGAR, ADARSH SCHOOL, KOTAKPURA ROAD,MUKTSAR, which puts it inside Muktsar, the broader Muktsar district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank The Muktsar Central Cooperative Bank Ltd branch” — the verified location pin for IFSC UTIB0SMCC01 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 UTIB0SMCC01 and your account number.

Verifying IFSC UTIB0SMCC01 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 UTIB0SMCC01 by:

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

Working hours

Branch counters at The Muktsar Central Cooperative 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 UTIB0SMCC01 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0SMCC01 is the IFSC code of Axis Bank, THE MUKTSAR CENTRAL COOPERATIVE BANK LTD branch, in MUKTSAR, PUNJAB. 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.