IFSC Code of Axis Bank, Shri Mahant Shivayogi Co Op Bank Branch, Karnataka

Below are the complete branch details for Axis Bank, SHRI MAHANT SHIVAYOGI CO OP BANK branch, located in MURGOD, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0SSMSSB. 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 UTIB0SSMSSB for Axis Bank – SHRI MAHANT SHIVAYOGI CO OP BANK — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – SHRI MAHANT SHIVAYOGI CO OP BANK is UTIB0SSMSSB. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters SSMSSB map to this branch in MURGOD, KARNATAKA.

About Axis Bank

Axis Bank operates a wide network of branches across India, including the Shri Mahant Shivayogi Co Op Bank branch in Murgod. 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, UTIB0SSMSSB.

About this branch

The branch is located at AT POST MURGOD, TALUKA SAUNDATTI 591119. It serves the Murgod 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 UTIB0SSMSSB is used to identify this branch on the RBI payments network.

Branch details at a glance

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 SHRI MAHANT SHIVAYOGI CO OP BANK branch came to be assigned the code UTIB0SSMSSB.

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 UTIB0SSMSSB, money simply cannot be routed to the SHRI MAHANT SHIVAYOGI CO OP BANK branch electronically.

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 UTIB0SSMSSB and the account number together uniquely identify the Shri Mahant Shivayogi Co Op Bank branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC UTIB0SSMSSB

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 UTIB0SSMSSB across all three.

How to use IFSC UTIB0SSMSSB for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's SHRI MAHANT SHIVAYOGI CO OP 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 UTIB0SSMSSB.
4. Confirm the bank name auto-populates as Axis Bank and the branch as SHRI MAHANT SHIVAYOGI CO OP 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 UTIB0SSMSSB

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 – SHRI MAHANT SHIVAYOGI CO OP BANK, ensure your bank's portal accepts IFSC UTIB0SSMSSB while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Axis Bank – SHRI MAHANT SHIVAYOGI CO OP BANK, use IMPS. With IFSC UTIB0SSMSSB and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Shri Mahant Shivayogi Co Op 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 UTIB0SSMSSB:

• 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 SHRI MAHANT SHIVAYOGI CO OP BANK is still linked to IFSC UTIB0SSMSSB.

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.

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 SHRI MAHANT SHIVAYOGI CO OP BANK branch, the IFSC UTIB0SSMSSB 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.

Products and account variants supported

Every account opened at the Shri Mahant Shivayogi Co Op Bank branch is mapped to IFSC UTIB0SSMSSB 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 UTIB0SSMSSB.

Products and services

Customers walking into the Shri Mahant Shivayogi Co Op 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 UTIB0SSMSSB

Online banking and IFSC UTIB0SSMSSB

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the SHRI MAHANT SHIVAYOGI CO OP 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 UTIB0SSMSSB 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.

How to reach the Shri Mahant Shivayogi Co Op Bank branch

The branch is located at AT POST MURGOD, TALUKA SAUNDATTI 591119, which puts it inside Murgod, the broader Belgaum district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Shri Mahant Shivayogi Co Op Bank branch” — the verified location pin for IFSC UTIB0SSMSSB should appear at the top of the results.
2. Confirm the branch is open by calling 91-9880386897 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 UTIB0SSMSSB and your account number.

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 – SHRI MAHANT SHIVAYOGI CO OP BANK:

• The IFSC is exactly UTIB0SSMSSB 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 SHRI MAHANT SHIVAYOGI CO OP 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.

Working hours

Branch counters at Shri Mahant Shivayogi Co Op 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 UTIB0SSMSSB continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0SSMSSB for Axis Bank – SHRI MAHANT SHIVAYOGI CO OP BANK, 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 address & contact

Frequently asked questions

Final notes

To recap: UTIB0SSMSSB is the IFSC code of Axis Bank, SHRI MAHANT SHIVAYOGI CO OP BANK branch, in MURGOD, KARNATAKA. 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.