IFSC Code of Axis Bank, Narayaguru Urban Coop Bank Udupi Branch, Karnataka

If you are searching for the IFSC code of Axis Bank, NARAYAGURU URBAN COOP BANK UDUPI branch in UDUPI, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is UTIB0SNGB05. 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 NARAYAGURU URBAN COOP BANK UDUPI branch, and detailed step-by-step guides for using the IFSC UTIB0SNGB05 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 – NARAYAGURU URBAN COOP BANK UDUPI is UTIB0SNGB05. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters SNGB05 map to this branch in UDUPI, KARNATAKA.

Branch details at a glance

About the bank

Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Narayaguru Urban Coop Bank Udupi branch in Udupi, Karnataka is part of this network and uses the IFSC code UTIB0SNGB05 for all electronic settlement.

Narayaguru Urban Coop Bank Udupi branch overview

Located at FIRST FLR, NARAYANA GURU SANKEERNA, BANNANJE, UDUPI TQ, the Narayaguru Urban Coop Bank Udupi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0SNGB05 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 NARAYAGURU URBAN COOP BANK UDUPI branch came to be assigned the code UTIB0SNGB05.

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 UTIB0SNGB05, money simply cannot be routed to the NARAYAGURU URBAN COOP BANK UDUPI branch electronically.

How to transfer money using IFSC UTIB0SNGB05

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 UTIB0SNGB05 across all three.

NEFT to Axis Bank, NARAYAGURU URBAN COOP BANK UDUPI using IFSC UTIB0SNGB05

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 UTIB0SNGB05, and confirm that the system picks up Axis Bank – NARAYAGURU URBAN COOP BANK UDUPI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to NARAYAGURU URBAN COOP BANK UDUPI

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's NARAYAGURU URBAN COOP BANK UDUPI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0SNGB05 while initiating the transfer and the credit will appear within minutes.

IMPS to Axis Bank NARAYAGURU URBAN COOP BANK UDUPI (IFSC UTIB0SNGB05)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0SNGB05 in your mobile or internet banking app, and the money is credited to the NARAYAGURU URBAN COOP BANK UDUPI branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UTIB0SNGB05 for Axis Bank – NARAYAGURU URBAN COOP BANK UDUPI, 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 Narayaguru Urban Coop Bank Udupi 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 UTIB0SNGB05

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 – NARAYAGURU URBAN COOP BANK UDUPI is still mapped to IFSC UTIB0SNGB05. 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 UTIB0SNGB05 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Narayaguru Urban Coop Bank Udupi branch is mapped to IFSC UTIB0SNGB05 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 UTIB0SNGB05.

Products and services

Customers walking into the Narayaguru Urban Coop Bank Udupi 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 UTIB0SNGB05

MICR & cheque-truncation details

Cheques drawn on the Narayaguru Urban Coop Bank Udupi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0SNGB05 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC UTIB0SNGB05

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the NARAYAGURU URBAN COOP BANK UDUPI 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 UTIB0SNGB05 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.

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 – NARAYAGURU URBAN COOP BANK UDUPI:

• The IFSC is exactly UTIB0SNGB05 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 NARAYAGURU URBAN COOP BANK UDUPI 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 Narayaguru Urban Coop Bank Udupi branch sits at FIRST FLR, NARAYANA GURU SANKEERNA, BANNANJE, UDUPI TQ. If you are travelling from outside Udupi, search for the branch on a maps application using the bank name and locality, or call 820-2536653 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 UTIB0SNGB05 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0SNGB05 for Axis Bank – NARAYAGURU URBAN COOP BANK UDUPI, 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 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 Narayaguru Urban Coop Bank Udupi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0SNGB05, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0SNGB05 is the IFSC code of Axis Bank, NARAYAGURU URBAN COOP BANK UDUPI branch, in UDUPI, 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.