Below are the complete branch details for Axis Bank, THE GURGAON CENTRAL COOPERATIVE BANK LIMITED branch, located in RAWLI, HARYANA. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0SGCB38. 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 UTIB0SGCB38 for Axis Bank – THE GURGAON CENTRAL COOPERATIVE BANK LIMITED — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, UTIB0SGCB38 is the IFSC of Axis Bank's THE GURGAON CENTRAL COOPERATIVE BANK LIMITED branch. The format is fixed: UTIB = bank code, 0 = reserved, SGCB38 = branch identifier.
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its The Gurgaon Central Cooperative Bank Limited branch in Rawli, Haryana is part of this network and uses the IFSC code UTIB0SGCB38 for all electronic settlement.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | The Gurgaon Central Cooperative Bank Limited |
| IFSC Code | UTIB0SGCB38 |
| MICR Code | Refer to cheque leaf |
| Branch Address | B.O. RAOLI, BRANCH MANAGER, THE GURGAON CENTRAL COOPERATIVE BANK LTD, DISTT- MEWAT, HARYANA |
| City | Rawli |
| District | Gurgaon |
| State | Haryana |
| STD Code | 0 |
| Phone | 0 |
The Gurgaon Central Cooperative Bank Limited branch overview
Located at B.O. RAOLI, BRANCH MANAGER, THE GURGAON CENTRAL COOPERATIVE BANK LTD, DISTT- MEWAT, HARYANA, the The Gurgaon Central Cooperative Bank Limited branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0SGCB38 is required for all interbank electronic transfers routed through this branch.
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 THE GURGAON CENTRAL COOPERATIVE BANK LIMITED of Axis Bank — its own 11-character IFSC. The code UTIB0SGCB38 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 UTIB0SGCB38 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 The Gurgaon Central Cooperative Bank Limited branch is mapped to IFSC UTIB0SGCB38 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 UTIB0SGCB38.
Products and services
Customers walking into the The Gurgaon Central Cooperative Bank Limited 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 UTIB0SGCB38
How to transfer money using IFSC UTIB0SGCB38
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 UTIB0SGCB38 across all three.
How to use IFSC UTIB0SGCB38 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's THE GURGAON CENTRAL COOPERATIVE BANK LIMITED 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 UTIB0SGCB38.
- Confirm the bank name auto-populates as Axis Bank and the branch as THE GURGAON CENTRAL COOPERATIVE BANK LIMITED.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UTIB0SGCB38
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 GURGAON CENTRAL COOPERATIVE BANK LIMITED, ensure your bank's portal accepts IFSC UTIB0SGCB38 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Axis Bank THE GURGAON CENTRAL COOPERATIVE BANK LIMITED (IFSC UTIB0SGCB38)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0SGCB38 in your mobile or internet banking app, and the money is credited to the THE GURGAON CENTRAL COOPERATIVE BANK LIMITED branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to The Gurgaon Central Cooperative Bank Limited
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 UTIB0SGCB38:
- 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 THE GURGAON CENTRAL COOPERATIVE BANK LIMITED is still linked to IFSC UTIB0SGCB38.
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 THE GURGAON CENTRAL COOPERATIVE BANK LIMITED branch, the IFSC UTIB0SGCB38 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.
Digital banking channels
Most day-to-day work that customers used to do at the The Gurgaon Central Cooperative Bank Limited 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 UTIB0SGCB38 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.
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 UTIB0SGCB38 and the account number together uniquely identify the The Gurgaon Central Cooperative Bank Limited branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC UTIB0SGCB38
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Axis Bank – THE GURGAON CENTRAL COOPERATIVE BANK LIMITED, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
UTIB0SGCB38. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
How to reach the The Gurgaon Central Cooperative Bank Limited branch
The branch is located at B.O. RAOLI, BRANCH MANAGER, THE GURGAON CENTRAL COOPERATIVE BANK LTD, DISTT- MEWAT, HARYANA, which puts it inside Rawli, the broader Gurgaon district, and the state of Haryana. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank The Gurgaon Central Cooperative Bank Limited branch” — the verified location pin for IFSC UTIB0SGCB38 should appear at the top of the results.
- Confirm the branch is open by calling 0 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 UTIB0SGCB38 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0SGCB38 for Axis Bank – THE GURGAON CENTRAL COOPERATIVE BANK LIMITED, 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.
Working hours
Branch counters at The Gurgaon Central Cooperative Bank Limited 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 UTIB0SGCB38 continue to work without interruption.
Branch address & contact
Axis BankThe Gurgaon Central Cooperative Bank Limited Branch
B.O. RAOLI, BRANCH MANAGER, THE GURGAON CENTRAL COOPERATIVE BANK LTD, DISTT- MEWAT, HARYANA
Rawli, Haryana
Phone: 0
IFSC: UTIB0SGCB38
Frequently asked questions
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 Gurgaon Central Cooperative Bank Limited branch but serve different purposes.
What is the phone number of Axis Bank The Gurgaon Central Cooperative Bank Limited branch?
You can reach the branch at 0 during regular banking hours.
Does Axis Bank The Gurgaon Central Cooperative Bank Limited branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 0 to confirm.
How do I add Axis Bank The Gurgaon Central Cooperative Bank Limited as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0SGCB38, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Axis Bank The Gurgaon Central Cooperative Bank Limited branch located?
Axis Bank's The Gurgaon Central Cooperative Bank Limited branch is located at B.O. RAOLI, BRANCH MANAGER, THE GURGAON CENTRAL COOPERATIVE BANK LTD, DISTT- MEWAT, HARYANA, Rawli, Haryana.
Is IFSC UTIB0SGCB38 the same for all accounts at The Gurgaon Central Cooperative Bank Limited branch?
Yes. The IFSC UTIB0SGCB38 is shared by every account held at Axis Bank's The Gurgaon Central Cooperative Bank Limited branch. Only the account number changes from customer to customer.
Summary
The IFSC code UTIB0SGCB38 belongs to Axis Bank's THE GURGAON CENTRAL COOPERATIVE BANK LIMITED branch, located at B.O. RAOLI, BRANCH MANAGER, THE GURGAON CENTRAL COOPERATIVE BANK LTD, DISTT-… in RAWLI, 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.
