IFSC Code of Axis Bank, Vysya Cooperative Bank Ltd Branch, Karnataka

Below are the complete branch details for Axis Bank, VYSYA COOPERATIVE BANK LTD branch, located in TUMKUR, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0SVCBL1. 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 UTIB0SVCBL1 for Axis Bank – VYSYA COOPERATIVE BANK LTD — 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 – VYSYA COOPERATIVE BANK LTD is UTIB0SVCBL1. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters SVCBL1 map to this branch in TUMKUR, KARNATAKA.

Branch details at a glance

About Axis Bank

Axis Bank operates a wide network of branches across India, including the Vysya Cooperative Bank Ltd branch in Tumkur. 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, UTIB0SVCBL1.

Vysya Cooperative Bank Ltd branch overview

Located at VYSYA COOPERATIVE BANK LTD DR SRI SRI SHIVAKUMAR SWAMIJI CIRCLE B H ROAD TUMKUR 572102, the Vysya Cooperative 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 UTIB0SVCBL1 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 VYSYA COOPERATIVE BANK LTD branch came to be assigned the code UTIB0SVCBL1.

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 UTIB0SVCBL1, money simply cannot be routed to the VYSYA COOPERATIVE BANK LTD branch electronically.

How to transfer money using IFSC UTIB0SVCBL1

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 UTIB0SVCBL1 across all three.

NEFT to Axis Bank, VYSYA COOPERATIVE BANK LTD using IFSC UTIB0SVCBL1

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 UTIB0SVCBL1, and confirm that the system picks up Axis Bank – VYSYA COOPERATIVE 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 VYSYA COOPERATIVE BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's VYSYA COOPERATIVE BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0SVCBL1 while initiating the transfer and the credit will appear within minutes.

IMPS to Axis Bank VYSYA COOPERATIVE BANK LTD (IFSC UTIB0SVCBL1)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0SVCBL1 in your mobile or internet banking app, and the money is credited to the VYSYA COOPERATIVE BANK LTD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Vysya Cooperative Bank Ltd

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 UTIB0SVCBL1:

• 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 VYSYA COOPERATIVE BANK LTD is still linked to IFSC UTIB0SVCBL1.

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.

UPI payments and IFSC UTIB0SVCBL1

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 – VYSYA COOPERATIVE BANK LTD is still mapped to IFSC UTIB0SVCBL1. 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 UTIB0SVCBL1 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Vysya Cooperative Bank Ltd branch is mapped to IFSC UTIB0SVCBL1 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 UTIB0SVCBL1.

Products and services

Customers walking into the Vysya Cooperative 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 UTIB0SVCBL1

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 UTIB0SVCBL1 and the account number together uniquely identify the Vysya Cooperative Bank Ltd 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 Vysya Cooperative Bank Ltd 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 UTIB0SVCBL1 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.

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 – VYSYA COOPERATIVE BANK LTD:

• The IFSC is exactly UTIB0SVCBL1 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 VYSYA COOPERATIVE 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.

How to reach the Vysya Cooperative Bank Ltd branch

The branch is located at VYSYA COOPERATIVE BANK LTD DR SRI SRI SHIVAKUMAR SWAMIJI CIRCLE B H ROAD TUMKUR 572102, which puts it inside Tumkur, the broader Tumkur district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Vysya Cooperative Bank Ltd branch” — the verified location pin for IFSC UTIB0SVCBL1 should appear at the top of the results.
2. Confirm the branch is open by calling 816-3292101 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 UTIB0SVCBL1 and your account number.

Verifying IFSC UTIB0SVCBL1 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 UTIB0SVCBL1 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 816-3292101.
• Visiting the bank's official branch locator page.

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 Vysya Cooperative Bank Ltd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0SVCBL1, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0SVCBL1 belongs to Axis Bank's VYSYA COOPERATIVE BANK LTD branch, located at VYSYA COOPERATIVE BANK LTD DR SRI SRI SHIVAKUMAR SWAMIJI CIRCLE B H ROAD… in TUMKUR, KARNATAKA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.