IFSC Code of Axis Bank, Jammu and Kashmir State Coop Bank Branch, Jammu and Kashmir

Use this page as a one-stop reference for everything related to Axis Bank's JAMMU AND KASHMIR STATE COOP BANK branch in SRINAGAR, JAMMU AND KASHMIR. The branch's IFSC code UTIB0SJKCB1 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 – JAMMU AND KASHMIR STATE COOP BANK is UTIB0SJKCB1. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters SJKCB1 map to this branch in SRINAGAR, JAMMU AND KASHMIR.

Branch details at a glance

About Axis Bank

Axis Bank operates a wide network of branches across India, including the Jammu and Kashmir State Coop Bank branch in Srinagar. 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, UTIB0SJKCB1.

Jammu and Kashmir State Coop Bank branch overview

Located at ATHWAS GAHH NEAR SILK FACTORY RAJBAGH,SRINAGAR,PIN 190001, the Jammu and Kashmir State Coop Bank branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0SJKCB1 is required for all interbank electronic transfers routed through this branch.

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 JAMMU AND KASHMIR STATE COOP BANK branch came to be assigned the code UTIB0SJKCB1.

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 UTIB0SJKCB1, money simply cannot be routed to the JAMMU AND KASHMIR STATE COOP BANK branch electronically.

How to transfer money using IFSC UTIB0SJKCB1

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 UTIB0SJKCB1 across all three.

NEFT to Axis Bank, JAMMU AND KASHMIR STATE COOP BANK using IFSC UTIB0SJKCB1

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 UTIB0SJKCB1, and confirm that the system picks up Axis Bank – JAMMU AND KASHMIR STATE COOP BANK. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UTIB0SJKCB1

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 – JAMMU AND KASHMIR STATE COOP BANK, ensure your bank's portal accepts IFSC UTIB0SJKCB1 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Axis Bank – JAMMU AND KASHMIR STATE COOP BANK, use IMPS. With IFSC UTIB0SJKCB1 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 Jammu and Kashmir State Coop 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 UTIB0SJKCB1:

• 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 JAMMU AND KASHMIR STATE COOP BANK is still linked to IFSC UTIB0SJKCB1.

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 JAMMU AND KASHMIR STATE COOP BANK branch, the IFSC UTIB0SJKCB1 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 Jammu and Kashmir State Coop Bank branch is mapped to IFSC UTIB0SJKCB1 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 UTIB0SJKCB1.

Banking services available

The Jammu and Kashmir State Coop Bank branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 194-2311121.

• 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 UTIB0SJKCB1

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 UTIB0SJKCB1 and the account number together uniquely identify the Jammu and Kashmir State Coop Bank branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Jammu and Kashmir State Coop 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 UTIB0SJKCB1 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.

Common mistakes to avoid when using IFSC UTIB0SJKCB1

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 – JAMMU AND KASHMIR STATE COOP 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: UTIB0SJKCB1.
• 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 Jammu and Kashmir State Coop Bank branch sits at ATHWAS GAHH NEAR SILK FACTORY RAJBAGH,SRINAGAR,PIN 190001. If you are travelling from outside Srinagar, search for the branch on a maps application using the bank name and locality, or call 194-2311121 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 UTIB0SJKCB1 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0SJKCB1 for Axis Bank – JAMMU AND KASHMIR STATE COOP 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.

Working hours

Branch counters at Jammu and Kashmir State Coop Bank 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 UTIB0SJKCB1 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0SJKCB1 is the IFSC code of Axis Bank, JAMMU AND KASHMIR STATE COOP BANK branch, in SRINAGAR, JAMMU AND KASHMIR. 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.