Below are the complete branch details for Axis Bank, PALA URBAN COOPERATIVE BANK branch, located in PALAI, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0SPUC50. 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 UTIB0SPUC50 for Axis Bank – PALA URBAN COOPERATIVE 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 – PALA URBAN COOPERATIVE BANK is UTIB0SPUC50. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters SPUC50 map to this branch in PALAI, KERALA.
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Pala Urban Cooperative Bank branch in Palai. 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, UTIB0SPUC50.
About this branch
The branch is located at H.O. PALA,PB NO.49, PIN.686 575. It serves the Palai 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 UTIB0SPUC50 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Pala Urban Cooperative Bank |
| IFSC Code | UTIB0SPUC50 |
| MICR Code | Refer to cheque leaf |
| Branch Address | H.O. PALA,PB NO.49, PIN.686 575 |
| City | Palai |
| District | Kottayam |
| State | Kerala |
| STD Code | 482 |
| Phone | 201814 |
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 PALA URBAN COOPERATIVE BANK of Axis Bank — its own 11-character IFSC. The code UTIB0SPUC50 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 UTIB0SPUC50 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Pala Urban Cooperative Bank branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0SPUC50 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC UTIB0SPUC50
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 UTIB0SPUC50 across all three.
How to use IFSC UTIB0SPUC50 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's PALA URBAN COOPERATIVE 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC UTIB0SPUC50.
- Confirm the bank name auto-populates as Axis Bank and the branch as PALA URBAN COOPERATIVE BANK.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UTIB0SPUC50
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 – PALA URBAN COOPERATIVE BANK, ensure your bank's portal accepts IFSC UTIB0SPUC50 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – PALA URBAN COOPERATIVE BANK, use IMPS. With IFSC UTIB0SPUC50 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0SPUC50 for Axis Bank – PALA URBAN COOPERATIVE 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – UTIB0SPUC50 | Yes – UTIB0SPUC50 | Yes – UTIB0SPUC50 |
For most retail customers crediting the Pala Urban Cooperative 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 UTIB0SPUC50
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 – PALA URBAN COOPERATIVE BANK is still mapped to IFSC UTIB0SPUC50. 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 UTIB0SPUC50 and the beneficiary's account number to complete the transfer.
Account types you can open at the Pala Urban Cooperative Bank branch
Once you have an account at Axis Bank – PALA URBAN COOPERATIVE BANK, the IFSC UTIB0SPUC50 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Pala Urban Cooperative Bank branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 482-201814.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC UTIB0SPUC50
Digital banking channels
Most day-to-day work that customers used to do at the Pala Urban Cooperative 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 UTIB0SPUC50 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.
How to reach the Pala Urban Cooperative Bank branch
The branch is located at H.O. PALA,PB NO.49, PIN.686 575, which puts it inside Palai, the broader Kottayam district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Pala Urban Cooperative Bank branch” — the verified location pin for IFSC UTIB0SPUC50 should appear at the top of the results.
- Confirm the branch is open by calling 482-201814 before stepping out, especially around public holidays.
- 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 UTIB0SPUC50 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 – PALA URBAN COOPERATIVE BANK:
- The IFSC is exactly UTIB0SPUC50 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 PALA URBAN COOPERATIVE 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 Pala Urban Cooperative 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 UTIB0SPUC50 continue to work without interruption.
Verifying IFSC UTIB0SPUC50 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 UTIB0SPUC50 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 482-201814.
- Visiting the bank's official branch locator page.
Branch address & contact
Axis BankPala Urban Cooperative Bank Branch
H.O. PALA,PB NO.49, PIN.686 575
Palai, Kerala
Phone: 482-201814
IFSC: UTIB0SPUC50
Frequently asked questions
What is the IFSC code of Axis Bank Pala Urban Cooperative Bank branch?
The IFSC code of Axis Bank, Pala Urban Cooperative Bank branch is UTIB0SPUC50. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Axis Bank Pala Urban Cooperative Bank as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0SPUC50, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Pala Urban Cooperative Bank branch but serve different purposes.
Is IFSC UTIB0SPUC50 the same for all accounts at Pala Urban Cooperative Bank branch?
Yes. The IFSC UTIB0SPUC50 is shared by every account held at Axis Bank's Pala Urban Cooperative Bank branch. Only the account number changes from customer to customer.
Where is Axis Bank Pala Urban Cooperative Bank branch located?
Axis Bank's Pala Urban Cooperative Bank branch is located at H.O. PALA,PB NO.49, PIN.686 575, Palai, Kerala.
What is the phone number of Axis Bank Pala Urban Cooperative Bank branch?
You can reach the branch at 482-201814 during regular banking hours.
Is IFSC UTIB0SPUC50 valid for NEFT and RTGS?
Yes. IFSC UTIB0SPUC50 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using UTIB0SPUC50 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Pala Urban Cooperative Bank reflect within 30 minutes.
Summary
The IFSC code UTIB0SPUC50 belongs to Axis Bank's PALA URBAN COOPERATIVE BANK branch, located at H.O. PALA,PB NO.49, PIN.686 575 in PALAI, KERALA. 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.
