Below are the complete branch details for Axis Bank, THE PANIPAT URBAN CO OP BANK LTD branch, located in PANIPAT, HARYANA. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0SPUC06. 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 UTIB0SPUC06 for Axis Bank – THE PANIPAT URBAN CO OP BANK LTD — 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 – THE PANIPAT URBAN CO OP BANK LTD is UTIB0SPUC06. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters SPUC06 map to this branch in PANIPAT, HARYANA.
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its The Panipat Urban Co Op Bank Ltd branch in Panipat, Haryana is part of this network and uses the IFSC code UTIB0SPUC06 for all electronic settlement.
About this branch
The branch is located at VEER BHAWAN CHOWK,PANIPAT, PIN CODE 132103. It serves the Panipat 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 UTIB0SPUC06 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | The Panipat Urban Co Op Bank Ltd |
| IFSC Code | UTIB0SPUC06 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VEER BHAWAN CHOWK,PANIPAT, PIN CODE 132103 |
| City | Panipat |
| District | Panipat |
| State | Haryana |
| STD Code | 180 |
| Phone | 2642918 |
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 PANIPAT URBAN CO OP BANK LTD branch came to be assigned the code UTIB0SPUC06.
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 UTIB0SPUC06, money simply cannot be routed to the THE PANIPAT URBAN CO OP BANK LTD 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 UTIB0SPUC06 and the account number together uniquely identify the The Panipat Urban Co Op Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UTIB0SPUC06
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 UTIB0SPUC06 across all three.
NEFT to Axis Bank, THE PANIPAT URBAN CO OP BANK LTD using IFSC UTIB0SPUC06
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC UTIB0SPUC06, and confirm that the system picks up Axis Bank – THE PANIPAT URBAN CO OP BANK LTD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0SPUC06
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 PANIPAT URBAN CO OP BANK LTD, ensure your bank's portal accepts IFSC UTIB0SPUC06 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – THE PANIPAT URBAN CO OP BANK LTD, use IMPS. With IFSC UTIB0SPUC06 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 UTIB0SPUC06 for Axis Bank – THE PANIPAT URBAN CO OP BANK LTD, 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 – UTIB0SPUC06 | Yes – UTIB0SPUC06 | Yes – UTIB0SPUC06 |
For most retail customers crediting the The Panipat Urban Co Op Bank Ltd 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 UTIB0SPUC06
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 PANIPAT URBAN CO OP BANK LTD is still mapped to IFSC UTIB0SPUC06. 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 UTIB0SPUC06 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the The Panipat Urban Co Op Bank Ltd branch is mapped to IFSC UTIB0SPUC06 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 UTIB0SPUC06.
Banking services available
The The Panipat Urban Co Op Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 180-2642918.
- 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 UTIB0SPUC06
Online banking and IFSC UTIB0SPUC06
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the THE PANIPAT 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 UTIB0SPUC06 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.
Reaching the branch
The The Panipat Urban Co Op Bank Ltd branch sits at VEER BHAWAN CHOWK,PANIPAT, PIN CODE 132103. If you are travelling from outside Panipat, search for the branch on a maps application using the bank name and locality, or call 180-2642918 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC UTIB0SPUC06 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 – THE PANIPAT URBAN CO OP BANK LTD:
- The IFSC is exactly UTIB0SPUC06 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 PANIPAT 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.
Working hours
Branch counters at The Panipat Urban Co Op 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 UTIB0SPUC06 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0SPUC06 for Axis Bank – THE PANIPAT URBAN CO OP BANK LTD, 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
Axis BankThe Panipat Urban Co Op Bank Ltd Branch
VEER BHAWAN CHOWK,PANIPAT, PIN CODE 132103
Panipat, Haryana
Phone: 180-2642918
IFSC: UTIB0SPUC06
Frequently asked questions
Is IFSC UTIB0SPUC06 valid for NEFT and RTGS?
Yes. IFSC UTIB0SPUC06 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC UTIB0SPUC06 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0SPUC06 to send funds instantly.
Is IFSC UTIB0SPUC06 the same for all accounts at The Panipat Urban Co Op Bank Ltd branch?
Yes. The IFSC UTIB0SPUC06 is shared by every account held at Axis Bank's The Panipat Urban Co Op Bank Ltd branch. Only the account number changes from customer to customer.
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 The Panipat Urban Co Op Bank Ltd branch but serve different purposes.
How quickly will an NEFT transfer using UTIB0SPUC06 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – The Panipat Urban Co Op Bank Ltd reflect within 30 minutes.
Does Axis Bank The Panipat Urban Co Op Bank Ltd branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 180-2642918 to confirm.
Where is Axis Bank The Panipat Urban Co Op Bank Ltd branch located?
Axis Bank's The Panipat Urban Co Op Bank Ltd branch is located at VEER BHAWAN CHOWK,PANIPAT, PIN CODE 132103, Panipat, Haryana.
What is the phone number of Axis Bank The Panipat Urban Co Op Bank Ltd branch?
You can reach the branch at 180-2642918 during regular banking hours.
Summary
The IFSC code UTIB0SPUC06 belongs to Axis Bank's THE PANIPAT URBAN CO OP BANK LTD branch, located at VEER BHAWAN CHOWK,PANIPAT, PIN CODE 132103 in PANIPAT, HARYANA. 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.
