IFSC Code of Axis Bank, Sri Sharadamba Mahila Co-Operative Urban Bank Ltd Branch, Andhra Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, SRI SHARADAMBA MAHILA CO-OPERATIVE URBAN BANK LTD branch in VIJAYAWADA. The 11-digit IFSC UTIB0SSMCUB 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 SRI SHARADAMBA MAHILA CO-OPERATIVE URBAN 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Axis Bank's SRI SHARADAMBA MAHILA CO-OPERATIVE URBAN BANK LTD branch, the IFSC UTIB0SSMCUB breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and SSMCUB identifies this particular branch.

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Sri Sharadamba Mahila Co-Operative Urban Bank Ltd branch — IFSC UTIB0SSMCUB — extends the bank's services to customers in and around Vijayawada, Andhra Pradesh.

Branch details at a glance

About the Sri Sharadamba Mahila Co-Operative Urban Bank Ltd branch

The Sri Sharadamba Mahila Co-Operative Urban Bank Ltd branch of Axis Bank is situated at DOOR NO 23 22 124, SIVALAYAM STREET, SIVAJI CAFE CENTER, SATYANARAYANA PURAM, VIJAYAWADA 520011, KRISHNA DIST AP. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code UTIB0SSMCUB is used.

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 SRI SHARADAMBA MAHILA CO-OPERATIVE URBAN BANK LTD branch came to be assigned the code UTIB0SSMCUB.

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 UTIB0SSMCUB, money simply cannot be routed to the SRI SHARADAMBA MAHILA CO-OPERATIVE URBAN BANK LTD branch electronically.

Account types you can open at the Sri Sharadamba Mahila Co-Operative Urban Bank Ltd branch

Once you have an account at Axis Bank – SRI SHARADAMBA MAHILA CO-OPERATIVE URBAN BANK LTD, the IFSC UTIB0SSMCUB 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 Sri Sharadamba Mahila Co-Operative Urban 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 UTIB0SSMCUB

How to transfer money using IFSC UTIB0SSMCUB

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 UTIB0SSMCUB across all three.

NEFT to Axis Bank, SRI SHARADAMBA MAHILA CO-OPERATIVE URBAN BANK LTD using IFSC UTIB0SSMCUB

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 UTIB0SSMCUB, and confirm that the system picks up Axis Bank – SRI SHARADAMBA MAHILA CO-OPERATIVE URBAN 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 SRI SHARADAMBA MAHILA CO-OPERATIVE URBAN BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's SRI SHARADAMBA MAHILA CO-OPERATIVE URBAN BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0SSMCUB while initiating the transfer and the credit will appear within minutes.

IMPS to Axis Bank SRI SHARADAMBA MAHILA CO-OPERATIVE URBAN BANK LTD (IFSC UTIB0SSMCUB)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0SSMCUB in your mobile or internet banking app, and the money is credited to the SRI SHARADAMBA MAHILA CO-OPERATIVE URBAN BANK LTD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Sri Sharadamba Mahila Co-Operative Urban 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 UTIB0SSMCUB:

• 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 SRI SHARADAMBA MAHILA CO-OPERATIVE URBAN BANK LTD is still linked to IFSC UTIB0SSMCUB.

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 SRI SHARADAMBA MAHILA CO-OPERATIVE URBAN BANK LTD branch, the IFSC UTIB0SSMCUB 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.

Digital banking channels

Most day-to-day work that customers used to do at the Sri Sharadamba Mahila Co-Operative Urban 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 UTIB0SSMCUB 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.

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 UTIB0SSMCUB and the account number together uniquely identify the Sri Sharadamba Mahila Co-Operative Urban Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – SRI SHARADAMBA MAHILA CO-OPERATIVE URBAN BANK LTD:

• The IFSC is exactly UTIB0SSMCUB 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 SRI SHARADAMBA MAHILA CO-OPERATIVE URBAN 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 Sri Sharadamba Mahila Co-Operative Urban Bank Ltd branch

The branch is located at DOOR NO 23 22 124, SIVALAYAM STREET, SIVAJI CAFE CENTER, SATYANARAYANA PURAM, VIJAYAWADA 520011, KRISHNA DIST AP, which puts it inside Vijayawada, the broader Krishna district, and the state of Andhra Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Sri Sharadamba Mahila Co-Operative Urban Bank Ltd branch” — the verified location pin for IFSC UTIB0SSMCUB should appear at the top of the results.
2. Confirm the branch is open by calling 866-2533592 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 UTIB0SSMCUB and your account number.

Verifying IFSC UTIB0SSMCUB 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 UTIB0SSMCUB by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 866-2533592.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Sri Sharadamba Mahila Co-Operative Urban 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 UTIB0SSMCUB continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0SSMCUB is the IFSC code of Axis Bank, SRI SHARADAMBA MAHILA CO-OPERATIVE URBAN BANK LTD branch, in VIJAYAWADA, ANDHRA 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.