IFSC Code of Axis Bank, Nagar Sahakari Bank Ltd Branch, Uttar Pradesh

If you are searching for the IFSC code of Axis Bank, NAGAR SAHAKARI BANK LTD branch in SINDURIA, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is UTIB0SNSB02. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the NAGAR SAHAKARI BANK LTD branch, and detailed step-by-step guides for using the IFSC UTIB0SNSB02 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 – NAGAR SAHAKARI BANK LTD is UTIB0SNSB02. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters SNSB02 map to this branch in SINDURIA, UTTAR PRADESH.

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Nagar Sahakari Bank Ltd branch — IFSC UTIB0SNSB02 — extends the bank's services to customers in and around Sinduria, Uttar Pradesh.

Nagar Sahakari Bank Ltd branch overview

Located at SINDURIA BAZAR, MAIN ROAD, MAHARAJGANJ, UP, the Nagar Sahakari 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 UTIB0SNSB02 is required for all interbank electronic transfers routed through this branch.

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 NAGAR SAHAKARI BANK LTD branch came to be assigned the code UTIB0SNSB02.

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 UTIB0SNSB02, money simply cannot be routed to the NAGAR SAHAKARI BANK LTD branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Nagar Sahakari Bank Ltd branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0SNSB02 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 UTIB0SNSB02

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 UTIB0SNSB02 across all three.

How to use IFSC UTIB0SNSB02 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's NAGAR SAHAKARI BANK LTD 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 UTIB0SNSB02.
4. Confirm the bank name auto-populates as Axis Bank and the branch as NAGAR SAHAKARI BANK LTD.
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 UTIB0SNSB02

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 – NAGAR SAHAKARI BANK LTD, ensure your bank's portal accepts IFSC UTIB0SNSB02 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Axis Bank – NAGAR SAHAKARI BANK LTD, use IMPS. With IFSC UTIB0SNSB02 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 UTIB0SNSB02 for Axis Bank – NAGAR SAHAKARI 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 Nagar Sahakari 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 UTIB0SNSB02

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 – NAGAR SAHAKARI BANK LTD is still mapped to IFSC UTIB0SNSB02. 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 UTIB0SNSB02 and the beneficiary's account number to complete the transfer.

Account types you can open at the Nagar Sahakari Bank Ltd branch

Once you have an account at Axis Bank – NAGAR SAHAKARI BANK LTD, the IFSC UTIB0SNSB02 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 Nagar Sahakari Bank Ltd 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 UTIB0SNSB02

Online banking and IFSC UTIB0SNSB02

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the NAGAR SAHAKARI 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 UTIB0SNSB02 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.

Reaching the branch

The Nagar Sahakari Bank Ltd branch sits at SINDURIA BAZAR, MAIN ROAD, MAHARAJGANJ, UP. If you are travelling from outside Sinduria, search for the branch on a maps application using the bank name and locality, or call 5523-223328 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 UTIB0SNSB02 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 – NAGAR SAHAKARI BANK LTD:

• The IFSC is exactly UTIB0SNSB02 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 NAGAR SAHAKARI 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 Nagar Sahakari 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 UTIB0SNSB02 continue to work without interruption.

Verifying IFSC UTIB0SNSB02 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm UTIB0SNSB02 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 5523-223328.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0SNSB02 is the IFSC code of Axis Bank, NAGAR SAHAKARI BANK LTD branch, in SINDURIA, UTTAR PRADESH. 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.