Banking & Payments

Utkarsh Small Finance Bank IFSC Codes — All Branches

Every Utkarsh Small Finance Bank branch has a unique 11-character IFSC code beginning with UTKS. The bank operates 58 indexed branches across 12 states in our public-sample dataset (full RBI dataset of ~200,000 branches rolling out Jun 2026). Use the branch IFSC for NEFT, RTGS, IMPS, and NACH.

How Utkarsh Small Finance Bank IFSC is structured

UTKS 0 XXXXXX
Bank code
UTKS

Fixed across all Utkarsh Small Finance Bank branches

Reserved
0

Always zero in the current RBI scheme

Branch code
6 chars

Unique within Utkarsh Small Finance Bank

Examples: UTKS0001233UTKS0001353UTKS0001380

Transfer rails Utkarsh Small Finance Bank supports

Rail Settlement window Per-txn limit Use IFSC?
NEFT30-min batches, 24×7NoneYes
RTGSReal-time≥ ₹2 lakhYes
IMPSInstant, 24×7₹5 lakh / txnYes
NACH2-3 business daysMandate-basedYes (+ MICR)
UPIInstant₹1 lakh / dayNot needed — handle-based

All Utkarsh Small Finance Bank branches

58 branches indexed across 12 states. Click any branch for the full IFSC, MICR, address, share-QR, and vCard.

Bihar — 5 branches

Delhi — 5 branches

Gujarat — 7 branches

Haryana — 4 branches

Jharkhand — 5 branches

Karnataka — 2 branches

Kerala — 2 branches

Maharashtra — 10 branches

Tamil Nadu — 3 branches

Telangana — 1 branch

Uttar Pradesh — 12 branches

West Bengal — 2 branches

Frequently asked questions

What is the IFSC code format for Utkarsh Small Finance Bank?

All Utkarsh Small Finance Bank IFSC codes begin with UTKS followed by a 0 and a 6-character branch identifier (e.g., UTKS0001233 for the Barni branch). The 4-letter prefix UTKS identifies the bank; the trailing 6 characters identify the branch.

Does Utkarsh Small Finance Bank support NEFT and RTGS?

Yes. Utkarsh Small Finance Bank is a scheduled bank that participates in NEFT, RTGS, IMPS, and NACH. Use the branch IFSC code for any of these rails. UPI works at the customer level (linked to your account) and does not need the IFSC.

How do I find the IFSC code for a specific Utkarsh Small Finance Bank branch?

Use the search box below or browse the branch list by state. Each branch has its own dedicated page with the IFSC code, MICR code, full address, and a one-click share / QR / vCard download.

Is Utkarsh Small Finance Bank insured by DICGC?

Deposits in all scheduled banks (including cooperative banks and small finance banks) are insured by the Deposit Insurance and Credit Guarantee Corporation (DICGC) up to ₹5 lakh per depositor per bank. This covers savings, FD, RD, and current accounts combined. Always confirm the bank's scheduled status on the RBI website before parking large deposits.

How often is the IFSC data updated for Utkarsh Small Finance Bank?

Monthly, from the RBI public IFSC master. Branch additions, mergers, and re-codings during the month appear in the next refresh cycle. For high-value transfers, always cross-check the IFSC on the bank's net-banking portal or passbook before sending.

Source: RBI public IFSC dataset, last refreshed 2026-06-08. HonestMoney.in is not affiliated with Utkarsh Small Finance Bank or the Reserve Bank of India. Always cross-check the IFSC on the bank's net-banking portal or passbook before high-value transfers.