IFSC Code of Axis Bank, Sri Ganapathi Urban Cooperative Bank Branch, Karnataka

This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, SRI GANAPATHI URBAN COOPERATIVE BANK branch in SAGAR. The 11-digit IFSC UTIB0SSGUCB uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Axis Bank at the SRI GANAPATHI URBAN COOPERATIVE BANK location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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, UTIB0SSGUCB is the IFSC of Axis Bank's SRI GANAPATHI URBAN COOPERATIVE BANK branch. The format is fixed: UTIB = bank code, 0 = reserved, SSGUCB = branch identifier.

About Axis Bank

Axis Bank operates a wide network of branches across India, including the Sri Ganapathi Urban Cooperative Bank branch in Sagar. 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, UTIB0SSGUCB.

Branch details at a glance

About the Sri Ganapathi Urban Cooperative Bank branch

The Sri Ganapathi Urban Cooperative Bank branch of Axis Bank is situated at HEAD OFFICE, 1ST FLOOR, CHAMRAJ PET, SAGAR, SHIMOGA 577401. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code UTIB0SSGUCB is used.

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 SRI GANAPATHI URBAN COOPERATIVE BANK of Axis Bank — its own 11-character IFSC. The code UTIB0SSGUCB 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 UTIB0SSGUCB the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Sri Ganapathi Urban Cooperative Bank branch

Once you have an account at Axis Bank – SRI GANAPATHI URBAN COOPERATIVE BANK, the IFSC UTIB0SSGUCB 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.

Products and services

Customers walking into the Sri Ganapathi Urban Cooperative Bank 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 UTIB0SSGUCB

How to transfer money using IFSC UTIB0SSGUCB

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 UTIB0SSGUCB across all three.

How to use IFSC UTIB0SSGUCB for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's SRI GANAPATHI 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UTIB0SSGUCB.
4. Confirm the bank name auto-populates as Axis Bank and the branch as SRI GANAPATHI URBAN COOPERATIVE BANK.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UTIB0SSGUCB

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 – SRI GANAPATHI URBAN COOPERATIVE BANK, ensure your bank's portal accepts IFSC UTIB0SSGUCB while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Axis Bank – SRI GANAPATHI URBAN COOPERATIVE BANK, use IMPS. With IFSC UTIB0SSGUCB 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 UTIB0SSGUCB for Axis Bank – SRI GANAPATHI 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 Sri Ganapathi 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.

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 SRI GANAPATHI URBAN COOPERATIVE BANK branch, the IFSC UTIB0SSGUCB 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 Sri Ganapathi 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 UTIB0SSGUCB 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 & cheque-truncation details

Cheques drawn on the Sri Ganapathi 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 UTIB0SSGUCB for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC UTIB0SSGUCB

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 – SRI GANAPATHI URBAN COOPERATIVE BANK, 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: UTIB0SSGUCB.
• 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.

Reaching the branch

The Sri Ganapathi Urban Cooperative Bank branch sits at HEAD OFFICE, 1ST FLOOR, CHAMRAJ PET, SAGAR, SHIMOGA 577401. If you are travelling from outside Sagar, search for the branch on a maps application using the bank name and locality, or call 8183-228114 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 UTIB0SSGUCB and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0SSGUCB for Axis Bank – SRI GANAPATHI URBAN COOPERATIVE BANK, 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 Sri Ganapathi Urban Cooperative Bank branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0SSGUCB, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0SSGUCB belongs to Axis Bank's SRI GANAPATHI URBAN COOPERATIVE BANK branch, located at HEAD OFFICE, 1ST FLOOR, CHAMRAJ PET, SAGAR, SHIMOGA 577401 in SAGAR, 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.