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 UTIB0SPUC07. 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 UTIB0SPUC07 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 UTIB0SPUC07. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters SPUC07 map to this branch in PANIPAT, HARYANA.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | The Panipat Urban Co Op Bank Ltd |
| IFSC Code | UTIB0SPUC07 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SAMALKHA BRANCH,PANIPAT, PIN CODE 132103 |
| City | Panipat |
| District | Panipat |
| State | Haryana |
| STD Code | 180 |
| Phone | 2642918 |
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The The Panipat Urban Co Op Bank Ltd branch — IFSC UTIB0SPUC07 — extends the bank's services to customers in and around Panipat, Haryana.
About this branch
The branch is located at SAMALKHA BRANCH,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 UTIB0SPUC07 is used to identify this branch on the RBI payments network.
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 UTIB0SPUC07.
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 UTIB0SPUC07, money simply cannot be routed to the THE PANIPAT URBAN CO OP BANK LTD branch electronically.
How to transfer money using IFSC UTIB0SPUC07
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 UTIB0SPUC07 across all three.
How to use IFSC UTIB0SPUC07 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's THE PANIPAT 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).
- 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 UTIB0SPUC07.
- Confirm the bank name auto-populates as Axis Bank and the branch as THE PANIPAT URBAN CO OP BANK LTD.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UTIB0SPUC07
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 UTIB0SPUC07 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Axis Bank THE PANIPAT URBAN CO OP BANK LTD (IFSC UTIB0SPUC07)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0SPUC07 in your mobile or internet banking app, and the money is credited to the THE PANIPAT URBAN CO OP BANK LTD branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0SPUC07 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 – UTIB0SPUC07 | Yes – UTIB0SPUC07 | Yes – UTIB0SPUC07 |
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 UTIB0SPUC07
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 UTIB0SPUC07. 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 UTIB0SPUC07 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 UTIB0SPUC07 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 UTIB0SPUC07.
Products and services
Customers walking into the The Panipat 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 UTIB0SPUC07
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 UTIB0SPUC07 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.
Online banking and IFSC UTIB0SPUC07
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 UTIB0SPUC07 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.
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 UTIB0SPUC07 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.
How to reach the The Panipat Urban Co Op Bank Ltd branch
The branch is located at SAMALKHA BRANCH,PANIPAT, PIN CODE 132103, which puts it inside Panipat, the broader Panipat district, and the state of Haryana. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank The Panipat Urban Co Op Bank Ltd branch” — the verified location pin for IFSC UTIB0SPUC07 should appear at the top of the results.
- Confirm the branch is open by calling 180-2642918 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 UTIB0SPUC07 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0SPUC07 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 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 The Panipat 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 UTIB0SPUC07, however, work 24x7.
Branch address & contact
Axis BankThe Panipat Urban Co Op Bank Ltd Branch
SAMALKHA BRANCH,PANIPAT, PIN CODE 132103
Panipat, Haryana
Phone: 180-2642918
IFSC: UTIB0SPUC07
Frequently asked questions
Is IFSC UTIB0SPUC07 the same for all accounts at The Panipat Urban Co Op Bank Ltd branch?
Yes. The IFSC UTIB0SPUC07 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.
How do I add Axis Bank The Panipat Urban Co Op Bank Ltd as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0SPUC07, and complete OTP verification. Once activated, you can transfer funds at any time.
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 SAMALKHA BRANCH,PANIPAT, PIN CODE 132103, Panipat, Haryana.
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.
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.
Can I use IFSC UTIB0SPUC07 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0SPUC07 to send funds instantly.
How quickly will an NEFT transfer using UTIB0SPUC07 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.
Summary
The IFSC code UTIB0SPUC07 belongs to Axis Bank's THE PANIPAT URBAN CO OP BANK LTD branch, located at SAMALKHA BRANCH,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.
