IFSC Code of Axis Bank, Ramanagram Urban Cooperative Bank Branch, Karnataka

Below are the complete branch details for Axis Bank, RAMANAGRAM URBAN COOPERATIVE BANK branch, located in RAMANAGARAM, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0SRUCOB. 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 UTIB0SRUCOB for Axis Bank – RAMANAGRAM URBAN COOPERATIVE BANK — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 RAMANAGRAM URBAN COOPERATIVE BANK branch, the IFSC UTIB0SRUCOB breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and SRUCOB identifies this particular branch.

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ramanagram Urban Cooperative Bank branch — IFSC UTIB0SRUCOB — extends the bank's services to customers in and around Ramanagaram, Karnataka.

About this branch

The branch is located at MAIN ROAD , RAMANARAM- 562159. It serves the Ramanagaram 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 UTIB0SRUCOB 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 RAMANAGRAM URBAN COOPERATIVE BANK branch came to be assigned the code UTIB0SRUCOB.

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 UTIB0SRUCOB, money simply cannot be routed to the RAMANAGRAM URBAN COOPERATIVE BANK branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Ramanagram 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 UTIB0SRUCOB 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 UTIB0SRUCOB

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 UTIB0SRUCOB across all three.

NEFT to Axis Bank, RAMANAGRAM URBAN COOPERATIVE BANK using IFSC UTIB0SRUCOB

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 UTIB0SRUCOB, and confirm that the system picks up Axis Bank – RAMANAGRAM URBAN COOPERATIVE BANK. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to RAMANAGRAM URBAN COOPERATIVE BANK

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's RAMANAGRAM URBAN COOPERATIVE BANK branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0SRUCOB while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Axis Bank – RAMANAGRAM URBAN COOPERATIVE BANK, use IMPS. With IFSC UTIB0SRUCOB 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 UTIB0SRUCOB for Axis Bank – RAMANAGRAM 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.

For most retail customers crediting the Ramanagram 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 UTIB0SRUCOB

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 – RAMANAGRAM URBAN COOPERATIVE BANK is still mapped to IFSC UTIB0SRUCOB. 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 UTIB0SRUCOB and the beneficiary's account number to complete the transfer.

Account types you can open at the Ramanagram Urban Cooperative Bank branch

Once you have an account at Axis Bank – RAMANAGRAM URBAN COOPERATIVE BANK, the IFSC UTIB0SRUCOB 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 Ramanagram Urban Cooperative Bank branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 80-814711325.

• 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 UTIB0SRUCOB

Online banking and IFSC UTIB0SRUCOB

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the RAMANAGRAM URBAN COOPERATIVE 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 UTIB0SRUCOB 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 Ramanagram Urban Cooperative Bank branch sits at MAIN ROAD , RAMANARAM- 562159. If you are travelling from outside Ramanagaram, search for the branch on a maps application using the bank name and locality, or call 80-814711325 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 UTIB0SRUCOB 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 – RAMANAGRAM URBAN COOPERATIVE BANK:

• The IFSC is exactly UTIB0SRUCOB 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 RAMANAGRAM 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 Ramanagram 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 UTIB0SRUCOB continue to work without interruption.

Verifying IFSC UTIB0SRUCOB 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 UTIB0SRUCOB by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 80-814711325.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0SRUCOB belongs to Axis Bank's RAMANAGRAM URBAN COOPERATIVE BANK branch, located at MAIN ROAD , RAMANARAM- 562159 in RAMANAGARAM, KARNATAKA. 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.