IFSC Code of Axis Bank, The Urban Co Operative Bank Ltd Branch, Karnataka

This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, THE URBAN CO OPERATIVE BANK LTD branch in SHIKARIPUR. The 11-digit IFSC UTIB0SURBAN 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 THE URBAN CO OPERATIVE BANK LTD 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 – THE URBAN CO OPERATIVE BANK LTD is UTIB0SURBAN. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters SURBAN map to this branch in SHIKARIPUR, KARNATAKA.

About Axis Bank

Axis Bank operates a wide network of branches across India, including the The Urban Co Operative Bank Ltd branch in Shikaripur. 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, UTIB0SURBAN.

The Urban Co Operative Bank Ltd branch overview

Located at OLD SANTHE MAIDANA SHIKARIPURA 577427, the The Urban Co Operative Bank Ltd branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0SURBAN is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 URBAN CO OPERATIVE BANK LTD of Axis Bank — its own 11-character IFSC. The code UTIB0SURBAN 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 UTIB0SURBAN the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the The Urban Co Operative Bank Ltd branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0SURBAN 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 UTIB0SURBAN

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 UTIB0SURBAN across all three.

NEFT to Axis Bank, THE URBAN CO OPERATIVE BANK LTD using IFSC UTIB0SURBAN

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 UTIB0SURBAN, and confirm that the system picks up Axis Bank – THE URBAN CO OPERATIVE BANK LTD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to THE URBAN CO OPERATIVE BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's THE URBAN CO OPERATIVE BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0SURBAN 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 – THE URBAN CO OPERATIVE BANK LTD, use IMPS. With IFSC UTIB0SURBAN 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 UTIB0SURBAN for Axis Bank – THE URBAN CO OPERATIVE BANK LTD, 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 The Urban Co Operative Bank Ltd 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 UTIB0SURBAN

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 – THE URBAN CO OPERATIVE BANK LTD is still mapped to IFSC UTIB0SURBAN. 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 UTIB0SURBAN and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the The Urban Co Operative Bank Ltd branch is mapped to IFSC UTIB0SURBAN 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 UTIB0SURBAN.

Banking services available

The The Urban Co Operative Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8187-222264.

• 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 UTIB0SURBAN

Online banking and IFSC UTIB0SURBAN

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the THE URBAN CO OPERATIVE BANK LTD 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 UTIB0SURBAN 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.

How to reach the The Urban Co Operative Bank Ltd branch

The branch is located at OLD SANTHE MAIDANA SHIKARIPURA 577427, which puts it inside Shikaripur, the broader Shimoga district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank The Urban Co Operative Bank Ltd branch” — the verified location pin for IFSC UTIB0SURBAN should appear at the top of the results.
2. Confirm the branch is open by calling 8187-222264 before stepping out, especially around public holidays.
3. 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 UTIB0SURBAN 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 – THE URBAN CO OPERATIVE BANK LTD:

• The IFSC is exactly UTIB0SURBAN 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 THE URBAN CO OPERATIVE BANK LTD 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 The Urban Co Operative Bank Ltd 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 UTIB0SURBAN continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0SURBAN for Axis Bank – THE URBAN CO OPERATIVE BANK LTD, 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: UTIB0SURBAN is the IFSC code of Axis Bank, THE URBAN CO OPERATIVE BANK LTD 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.