The IFSC Code is a very important number used in India for digital banking and online money transfers that ensures seamless and accurate fund transfers. In case you are sending money through NEFT, RTGS, or IMPS, the bank requires you to enter the correct IFSC Code to route your payment to the right branch. If you are searching for the IFSC Code of Axis Bank for its The Urban Co Operative Bank Ltd branch in Shimoga, Shikaripur, Karnataka, this complete guide will provide you with detailed information.
The banking system in India has changed over the years, and today customers of Axis Bank located in Shimoga or anywhere in Karnataka can transfer funds instantly by using the correct IFSC Code UTIB0SURBAN. Knowing how the IFSC Code works will help you stay informed and avoid transfer issues.
Details of IFSC Code for Axis Bank, The Urban Co Operative Bank Ltd, Shimoga
The table below shows the main details of the IFSC Code UTIB0SURBAN for the Axis Bank branch in Shimoga, which falls under the Shikaripur district in Karnataka.
| Particulars | Details |
|---|---|
| Bank | Axis Bank |
| IFSC Code | UTIB0SURBAN |
| Branch | The Urban Co Operative Bank Ltd |
| City | Shimoga |
| District | Shikaripur |
| State | Karnataka |
| Address | Old Santhe Maidana Shikaripura 577427 |
These details are essential not only for online banking users but also for businesses and individuals who use Axis Bank in Shimoga for day-to-day financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code UTIB0SURBAN for the The Urban Co Operative Bank Ltd branch of Axis Bank plays an important role.
What Is IFSC Code and Why Is It Important?
IFSC stands for Indian Financial System Code, an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, along with Axis Bank located in The Urban Co Operative Bank Ltd, Shimoga, Karnataka, are allotted a unique IFSC like UTIB0SURBAN to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Shimoga.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Shimoga and Shikaripur.
- It reduces errors in fund transfers and improves accuracy.
- It helps the sender banks to validate and confirm branch details before processing payments.
It makes sure that money sent to Axis Bank in The Urban Co Operative Bank Ltd reaches the right place, even though there are thousands of branches in Karnataka and across India.
Format of the IFSC Code UTIB0SURBAN
The format of the IFSC Code for banks, including Axis Bank, has an 11-character structure:
AAAA0CCCCCC
Here's the breakdown:
- First 4 characters (AAAA): Show the bank code. For Axis Bank, these letters represent the bank's short name.
- 5th character: Is always zero and is kept for future use.
- Last 6 characters (CCCCCC): Represent the specific branch code assigned to branches such as The Urban Co Operative Bank Ltd in Shimoga.
For example, the IFSC Code UTIB0SURBAN of Axis Bank for the The Urban Co Operative Bank Ltd branch includes these elements, identifying the bank and the branch location in Shimoga and Karnataka correctly.
How to Find IFSC Code for Axis Bank?
If you are trying to find the IFSC Code UTIB0SURBAN of Axis Bank for its The Urban Co Operative Bank Ltd branch located in Shimoga, the following methods can help:
Cheque Book
The cheque book issued by Axis Bank includes the IFSC Code printed on each cheque leaf which you can easily spot on the top section.
Passbook
Most banks, including Axis Bank branches in Shimoga and Shikaripur, print the IFSC and MICR codes on the first page of your passbook.
Bank Website
Visit the official website of Axis Bank and navigate to the branch locator section. Search for The Urban Co Operative Bank Ltd or Shimoga to get the exact IFSC Code UTIB0SURBAN.
Mobile Banking App
If you use Axis Bank's mobile app, you can check your account details to find your branch's IFSC code.
RBI Website
The Reserve Bank of India keeps an updated list of all IFSC codes. If you search for Axis Bank and Shimoga, you'll get the correct details.
How to Use IFSC Code UTIB0SURBAN for Online Transfers?
Once you have the IFSC Code UTIB0SURBAN for the The Urban Co Operative Bank Ltd branch of Axis Bank in Shimoga, you can start with your fund transfers using any digital method:
NEFT
Add beneficiary details including the name, account number, and IFSC Code UTIB0SURBAN. Transfers are processed in batches. Suitable for personal and business payments.
RTGS
Used for payments above ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.
IMPS
Instant 24×7 transfers. You need the recipient's account details and Axis Bank IFSC Code UTIB0SURBAN.
Whatever method you choose, the accuracy of the IFSC Code is highly important. If there is any mistake in entering the IFSC Code for Axis Bank The Urban Co Operative Bank Ltd in Shimoga, it can result in delayed or failed transactions.
Finding the MICR Code
MICR codes are used for cheque clearance and are very different from IFSC codes. If you are looking for the MICR code of Axis Bank in The Urban Co Operative Bank Ltd, here are some of the ways you can get it:
- Check the bottom of your cheque leaf.
- Refer to the first page of your passbook.
- Visit the official Axis Bank website.
- Search the RBI portal.
Knowing both IFSC and MICR code can help account holders in Shimoga manage their online transfers and cheque clearances easily.
Frequently Asked Questions (FAQs)
The IFSC Code of the The Urban Co Operative Bank Ltd Shimoga branch is UTIB0SURBAN.
Yes, the IFSC Code remains the same unless the bank undergoes a merger or restructuring.
No. IFSC is used for online fund transfers, while MICR is used for cheque processing and clearance.
You can find it on cheque books, passbooks, bank websites, mobile banking apps, and the RBI website.
The branch is located at Old Santhe Maidana Shikaripura 577427.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.