IFSC Code of Axis Bank, Shiggaon Urban Co-Operative Bank Branch, Karnataka

This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, SHIGGAON URBAN CO-OPERATIVE BANK branch in SHIGGAON. The 11-digit IFSC UTIB0S01SUB 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 SHIGGAON URBAN CO-OPERATIVE 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.

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 – SHIGGAON URBAN CO-OPERATIVE BANK is UTIB0S01SUB. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters S01SUB map to this branch in SHIGGAON, KARNATAKA.

About Axis Bank

Axis Bank operates a wide network of branches across India, including the Shiggaon Urban Co-Operative Bank branch in Shiggaon. 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, UTIB0S01SUB.

About the Shiggaon Urban Co-Operative Bank branch

The Shiggaon Urban Co-Operative Bank branch of Axis Bank is situated at NEW BUSSTAND ROAD, SHIGGAON, 581205. 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 UTIB0S01SUB is used.

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 SHIGGAON URBAN CO-OPERATIVE BANK branch came to be assigned the code UTIB0S01SUB.

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 UTIB0S01SUB, money simply cannot be routed to the SHIGGAON URBAN CO-OPERATIVE BANK branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Shiggaon Urban Co-Operative Bank branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0S01SUB 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 UTIB0S01SUB

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 UTIB0S01SUB across all three.

How to use IFSC UTIB0S01SUB for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's SHIGGAON URBAN CO-OPERATIVE 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 UTIB0S01SUB.
4. Confirm the bank name auto-populates as Axis Bank and the branch as SHIGGAON URBAN CO-OPERATIVE 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 UTIB0S01SUB

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 – SHIGGAON URBAN CO-OPERATIVE BANK, ensure your bank's portal accepts IFSC UTIB0S01SUB while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Axis Bank – SHIGGAON URBAN CO-OPERATIVE BANK, use IMPS. With IFSC UTIB0S01SUB and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Shiggaon Urban Co-Operative Bank

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 UTIB0S01SUB:

• 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 SHIGGAON URBAN CO-OPERATIVE BANK is still linked to IFSC UTIB0S01SUB.

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 SHIGGAON URBAN CO-OPERATIVE BANK branch, the IFSC UTIB0S01SUB 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.

Products and account variants supported

Every account opened at the Shiggaon Urban Co-Operative Bank branch is mapped to IFSC UTIB0S01SUB 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 UTIB0S01SUB.

Products and services

Customers walking into the Shiggaon Urban Co-Operative 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 UTIB0S01SUB

Digital banking channels

Most day-to-day work that customers used to do at the Shiggaon Urban Co-Operative 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 UTIB0S01SUB 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.

Reaching the branch

The Shiggaon Urban Co-Operative Bank branch sits at NEW BUSSTAND ROAD, SHIGGAON, 581205. If you are travelling from outside Shiggaon, search for the branch on a maps application using the bank name and locality, or call 8378-255941 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 UTIB0S01SUB 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 – SHIGGAON URBAN CO-OPERATIVE BANK:

• The IFSC is exactly UTIB0S01SUB 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 SHIGGAON URBAN CO-OPERATIVE 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.

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 Shiggaon Urban Co-Operative Bank branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0S01SUB, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0S01SUB for Axis Bank – SHIGGAON URBAN CO-OPERATIVE 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 address & contact

Frequently asked questions

Final notes

To recap: UTIB0S01SUB is the IFSC code of Axis Bank, SHIGGAON URBAN CO-OPERATIVE BANK branch, in SHIGGAON, KARNATAKA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.