IFSC Code of Axis Bank, Shiva Sahakari Bank Shikaripura Branch, Karnataka

Below are the complete branch details for Axis Bank, SHIVA SAHAKARI BANK SHIKARIPURA branch, located in SHIKARIPUR, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0SSBANK. 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 UTIB0SSBANK for Axis Bank – SHIVA SAHAKARI BANK SHIKARIPURA — 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 – SHIVA SAHAKARI BANK SHIKARIPURA is UTIB0SSBANK. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters SSBANK map to this branch in SHIKARIPUR, KARNATAKA.

About the bank

Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Shiva Sahakari Bank Shikaripura branch in Shikaripur, Karnataka is part of this network and uses the IFSC code UTIB0SSBANK for all electronic settlement.

Branch details at a glance

Shiva Sahakari Bank Shikaripura branch overview

Located at VISHVABANDHU MARULASIDDA NILAYA MUNICIPAL OFFICE ROAD SHIKARIPUR 577427, the Shiva Sahakari Bank Shikaripura branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0SSBANK 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 SHIVA SAHAKARI BANK SHIKARIPURA of Axis Bank — its own 11-character IFSC. The code UTIB0SSBANK 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 UTIB0SSBANK 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 Shiva Sahakari Bank Shikaripura branch

Once you have an account at Axis Bank – SHIVA SAHAKARI BANK SHIKARIPURA, the IFSC UTIB0SSBANK 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 Shiva Sahakari Bank Shikaripura 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 UTIB0SSBANK

How to transfer money using IFSC UTIB0SSBANK

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 UTIB0SSBANK across all three.

How to use IFSC UTIB0SSBANK for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's SHIVA SAHAKARI BANK SHIKARIPURA 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 UTIB0SSBANK.
4. Confirm the bank name auto-populates as Axis Bank and the branch as SHIVA SAHAKARI BANK SHIKARIPURA.
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 UTIB0SSBANK

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 – SHIVA SAHAKARI BANK SHIKARIPURA, ensure your bank's portal accepts IFSC UTIB0SSBANK while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Axis Bank – SHIVA SAHAKARI BANK SHIKARIPURA, use IMPS. With IFSC UTIB0SSBANK 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 UTIB0SSBANK for Axis Bank – SHIVA SAHAKARI BANK SHIKARIPURA, 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 Shiva Sahakari Bank Shikaripura 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 UTIB0SSBANK

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 – SHIVA SAHAKARI BANK SHIKARIPURA is still mapped to IFSC UTIB0SSBANK. 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 UTIB0SSBANK and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Shiva Sahakari Bank Shikaripura 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 UTIB0SSBANK 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 UTIB0SSBANK and the account number together uniquely identify the Shiva Sahakari Bank Shikaripura branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – SHIVA SAHAKARI BANK SHIKARIPURA:

• The IFSC is exactly UTIB0SSBANK 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 SHIVA SAHAKARI BANK SHIKARIPURA 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.

Reaching the branch

The Shiva Sahakari Bank Shikaripura branch sits at VISHVABANDHU MARULASIDDA NILAYA MUNICIPAL OFFICE ROAD SHIKARIPUR 577427. If you are travelling from outside Shikaripur, search for the branch on a maps application using the bank name and locality, or call 8187-223081 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 UTIB0SSBANK and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0SSBANK for Axis Bank – SHIVA SAHAKARI BANK SHIKARIPURA, 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 Shiva Sahakari Bank Shikaripura 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 UTIB0SSBANK continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0SSBANK is the IFSC code of Axis Bank, SHIVA SAHAKARI BANK SHIKARIPURA branch, in SHIKARIPUR, 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.