Shri Chatrapati Shivaji Sahakari Bank Shri Chatrapati Shivaji Maharaj Sah IFSC Code
Shri Chatrapati Shivaji Sahakari Bank
IFSC · Used for NEFT, IMPS & RTGS
MICR · Used for Cheque Clearance
Branch
Shri Chatrapati Shivaji Maharaj Sah
District
Gulbarga
State
Karnataka
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Other Shri Chatrapati Shivaji Sahakari Bank Branches in Gulbarga
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Frequently Asked Questions
About Shri Chatrapati Shivaji Sahakari Bank Shri Chatrapati Shivaji Maharaj Sah (sb Temple Road Opp Fire - Smsb), Gulbarga
The IFSC code UTIB0SCSMSB (lowercase: utib0scsmsb) belongs to Shri Chatrapati Shivaji Sahakari Bank, specifically the Shri Chatrapati Shivaji Maharaj Sah (sb Temple Road Opp Fire - Smsb) branch located in Gulbarga, Karnataka.
The 5th character in the IFSC code UTIB0SCSMSB is a zero (0), not the letter 'O'. The correct format is UTIB0SCSMSB (lowercase: utib0scsmsb), and not UTIBOSCSMSB. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of Shri Chatrapati Shivaji Sahakari Bank Shri Chatrapati Shivaji Maharaj Sah (sb Temple Road Opp Fire - Smsb) in Gulbarga, Karnataka is UTIB0SCSMSB. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Shri Chatrapati Shivaji Sahakari Bank Shri Chatrapati Shivaji Maharaj Sah (sb Temple Road Opp Fire - Smsb) is located at C Block, Sb Temple Road, Opp Fire Station, Ghanshyam Complex, Gulbarga, Karnataka. You can click the "View on Google Maps" button on this page to get directions.
The MICR (Magnetic Ink Character Recognition) code of Shri Chatrapati Shivaji Sahakari Bank Shri Chatrapati Shivaji Maharaj Sah (sb Temple Road Opp Fire - Smsb) is 585805002. MICR codes are used for cheque processing and are printed at the bottom of cheque leaves in magnetic ink.
Yes. IFSC code UTIB0SCSMSB is valid for all three RBI-regulated transfer modes: NEFT (settled in 30-minute batches, no minimum), RTGS (real-time, minimum ₹2 lakh), and IMPS (instant, up to ₹5 lakh). All modes are available 24×7×365 as per RBI guidelines issued in December 2019.
You can verify IFSC code UTIB0SCSMSB by checking: (1) The top-left corner of any Shri Chatrapati Shivaji Sahakari Bank Shri Chatrapati Shivaji Maharaj Sah (sb Temple Road Opp Fire - Smsb) cheque leaf, (2) The first page of your Shri Chatrapati Shivaji Sahakari Bank passbook, (3) Your net banking or mobile banking app under "Branch Details", or (4) The RBI's official IFSC lookup at rbi.org.in.
Understanding IFSC Code: UTIB0SCSMSB
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
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UTIB0SCSMSB
What Each Part Means
- Bank Code — UTIB
- The first 4 characters uniquely identify Shri Chatrapati Shivaji Sahakari Bank at the national level. Every branch of Shri Chatrapati Shivaji Sahakari Bank across all states shares this same prefix. It is assigned by the RBI and never changes.
- Reserved — 0
- The 5th character is always 0 (zero), reserved by the RBI for future use. It acts as a separator between the bank identifier and the branch-specific code and is mandatory in all electronic fund transfer systems.
- Branch Code — SCSMSB
- The final 6 characters SCSMSB uniquely identify this specific branch within the Shri Chatrapati Shivaji Sahakari Bank network. No two branches share the same branch code. Use this code to verify you have the correct branch before initiating any NEFT, RTGS, or IMPS transfer.
| Segment | Chars | Value | Purpose |
|---|---|---|---|
| Bank Code | 1–4 | UTIB | Identifies Shri Chatrapati Shivaji Sahakari Bank |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | SCSMSB | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
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Shri Chatrapati Shivaji Sahakari Bank
Shri Chatrapati Shivaji Maharaj Sah (sb Temple Road Opp Fire - Smsb), Gulbarga, Karnataka
Cheque No.
00000000
A/c No.
Authorised Signatory
IFSC vs MICR — Functional Comparison
Two different codes, two different banking systems
| Feature | IFSC Code | MICR Code |
|---|---|---|
| Full Form | Indian Financial System Code | Magnetic Ink Character Recognition |
| Length & Format | 11 characters — alphanumeric | 9 digits — numeric only |
| This Branch | UTIB0SCSMSB | 585805002 |
| Primary Use | Electronic fund transfers: NEFT, RTGS, IMPS, UPI | Physical cheque clearing at clearing houses |
| Medium | Digital / online — no physical document needed | Printed in magnetic ink on cheque leaf bottom band |
| Processing Speed | Real-time (IMPS/UPI) or 30-min batches (NEFT) | T+1 or T+2 clearing cycle via RBI clearing houses |
| Where to Find It | Cheque leaf (top area), passbook first page, net banking | Bottom band of cheque leaf (the printed magnetic strip) |
| Assigned By | RBI — permanent unless branch is relocated/merged | RBI — encodes city (3) + bank (3) + branch (3) digits |
| Required For | Adding a payee / beneficiary for online transfer | Cheque book issuance and clearing house processing |
Source: Reserve Bank of India (RBI) Payment Systems Guidelines. IFSC mandatory for NEFT/RTGS/IMPS since 2010; MICR used by CTS-2010 standard cheque clearing.