IFSC Code of Axis Bank, Nalbari Urban Co Op Bank Ltd Branch, Assam

Use this page as a one-stop reference for everything related to Axis Bank's NALBARI URBAN CO OP BANK LTD branch in NALBARI, ASSAM. The branch's IFSC code UTIB0SNUCB1 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.

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 NALBARI URBAN CO OP BANK LTD branch, the IFSC UTIB0SNUCB1 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and SNUCB1 identifies this particular branch.

About the bank

Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Nalbari Urban Co Op Bank Ltd branch in Nalbari, Assam is part of this network and uses the IFSC code UTIB0SNUCB1 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at LNB ROAD WARD NO 2 NALBARI ASSAM PIN 781335. It serves the Nalbari 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 UTIB0SNUCB1 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 NALBARI URBAN CO OP BANK LTD of Axis Bank — its own 11-character IFSC. The code UTIB0SNUCB1 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 UTIB0SNUCB1 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 Nalbari Urban Co Op Bank Ltd branch is mapped to IFSC UTIB0SNUCB1 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 UTIB0SNUCB1.

Products and services

Customers walking into the Nalbari Urban Co Op 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 UTIB0SNUCB1

How to transfer money using IFSC UTIB0SNUCB1

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 UTIB0SNUCB1 across all three.

How to use IFSC UTIB0SNUCB1 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's NALBARI URBAN CO OP 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 UTIB0SNUCB1.
4. Confirm the bank name auto-populates as Axis Bank and the branch as NALBARI URBAN CO OP 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 UTIB0SNUCB1

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 – NALBARI URBAN CO OP BANK LTD, ensure your bank's portal accepts IFSC UTIB0SNUCB1 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Axis Bank NALBARI URBAN CO OP BANK LTD (IFSC UTIB0SNUCB1)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0SNUCB1 in your mobile or internet banking app, and the money is credited to the NALBARI URBAN CO OP BANK LTD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Nalbari Urban Co Op 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 UTIB0SNUCB1:

• 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 NALBARI URBAN CO OP BANK LTD is still linked to IFSC UTIB0SNUCB1.

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 NALBARI URBAN CO OP BANK LTD branch, the IFSC UTIB0SNUCB1 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.

Online banking and IFSC UTIB0SNUCB1

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the NALBARI URBAN CO OP BANK LTD 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 UTIB0SNUCB1 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.

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 UTIB0SNUCB1 and the account number together uniquely identify the Nalbari Urban Co Op 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 – NALBARI URBAN CO OP BANK LTD:

• The IFSC is exactly UTIB0SNUCB1 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 NALBARI URBAN CO OP 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 Nalbari Urban Co Op Bank Ltd branch

The branch is located at LNB ROAD WARD NO 2 NALBARI ASSAM PIN 781335, which puts it inside Nalbari, the broader Nalbari district, and the state of Assam. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Nalbari Urban Co Op Bank Ltd branch” — the verified location pin for IFSC UTIB0SNUCB1 should appear at the top of the results.
2. Confirm the branch is open by calling 3624-220993 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 UTIB0SNUCB1 and your account number.

Verifying IFSC UTIB0SNUCB1 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 UTIB0SNUCB1 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 3624-220993.
• 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 Nalbari Urban Co Op Bank Ltd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0SNUCB1, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0SNUCB1 is the IFSC code of Axis Bank, NALBARI URBAN CO OP BANK LTD branch, in NALBARI, ASSAM. 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.