Utkarsh Small Finance Bank Ghatsila IFSC Code — UTKS0001312
East Singhbhum, Jharkhand • PIN 832303
IFSC
UTKS0001312
MICR
832762002
Branch code
001312
PIN
832303
The IFSC code for Utkarsh Small Finance Bank, Ghatsila branch in East Singhbhum, Jharkhand is UTKS0001312. Use this code as the beneficiary IFSC when sending money to any account held at this branch via NEFT, RTGS, IMPS, or NACH. The MICR code 832762002 is used for cheque clearing and NACH mandate setup. The branch is located at GROUND FLOOR,PLOT NO.713 SUB - PLOT NO.713/6,NEAR CIVIL COURT,PHULDUNGARI,DHARAMBAHAL,GHATSHILA,DISTRICT - EAST SINGHBHUM,STATE-JHARKHAND,PIN CODE-.
Transfer rails supported at this branch
| Rail | Settlement | Limit | Use IFSC? |
|---|---|---|---|
| NEFT | 30-min batches, 24×7 | None | UTKS0001312 |
| RTGS | Real-time | ≥ ₹2 lakh | UTKS0001312 |
| IMPS | Instant, 24×7 | ₹5 lakh/txn | UTKS0001312 |
| NACH | 2-3 business days | Mandate-based | UTKS0001312 + MICR |
| UPI | Instant | ₹1 lakh/day | Not needed (handle-based) |
Next steps
- Understand hidden NEFT / IMPS / RTGS fees → Hidden ATM, IMPS, NEFT & RTGS bank fees exposed
- UPI vs IMPS — which is faster and cheaper? → UPI transaction limits 2026 (every category exception)
- Opening a new account? → Best savings account interest rates — SFB vs big banks
- Worried your deposit is safe? → DICGC deposit insurance — is your money safe?
- More Utkarsh Small Finance Bank branches → All Utkarsh Small Finance Bank IFSC codes
More Utkarsh Small Finance Bank branches
- Barni, Patna — UTKS0001233
- Fraser Road, Patna — UTKS0001353
- Barh, Patna — UTKS0001380
- Bakhtiyarpur, Patna — UTKS0001495
- Doctors Colony, Kankarbagh, Patna — UTKS0001559
Frequently asked questions
What is the IFSC code for Utkarsh Small Finance Bank, Ghatsila?
The IFSC code for Utkarsh Small Finance Bank, Ghatsila branch in East Singhbhum, Jharkhand is UTKS0001312. Use this 11-character code for NEFT, RTGS, and IMPS transfers to any account at this branch.
What is the MICR code for this branch?
The MICR code for Utkarsh Small Finance Bank, Ghatsila is 832762002. MICR codes are printed on the bottom of cheque leaves and are required for NACH auto-debit mandate setup.
Is this branch on NEFT, RTGS, IMPS, and UPI?
Yes. Utkarsh Small Finance Bank supports NEFT, RTGS, and IMPS at all branches including Ghatsila. UPI works at the customer level (linked to your account), not the branch level.
Where is Utkarsh Small Finance Bank, Ghatsila located?
Utkarsh Small Finance Bank, Ghatsila is located at: GROUND FLOOR,PLOT NO.713 SUB - PLOT NO.713/6,NEAR CIVIL COURT,PHULDUNGARI,DHARAMBAHAL,GHATSHILA,DISTRICT - EAST SINGHBHUM,STATE-JHARKHAND,PIN CODE-. PIN code: 832303.
How do I transfer money to Utkarsh Small Finance Bank, Ghatsila?
Open your bank's net banking or UPI app, choose NEFT/RTGS/IMPS as the transfer mode, enter the beneficiary account number, the IFSC code UTKS0001312, and the recipient's name as on bank records. Funds typically settle within 30 minutes for NEFT/IMPS and instantly for RTGS (above ₹2 lakh).
What is the difference between NEFT, RTGS, and IMPS?
NEFT settles in 30-minute batches 24×7. RTGS is real-time but only for transfers ≥ ₹2 lakh. IMPS is instant, 24×7, with per-transaction limits varying by bank (typically ₹5 lakh). All three need the same IFSC code: UTKS0001312.
Can I receive international wire transfers at this branch?
Only if the branch is also SWIFT-enabled. Utkarsh Small Finance Bank has a separate SWIFT code (BIC) used by its international correspondent banks. Confirm whether Ghatsila accepts inbound USD/EUR/GBP wires before sharing the IFSC with an overseas sender.
How do I set up a NACH auto-debit mandate using this IFSC?
Provide the IFSC UTKS0001312, MICR 832762002, your account number, and a cancelled cheque image to the requesting party (SIP, EMI, insurance, or SaaS subscription). The mandate clears in 2-3 business days after submission.
Is the IFSC code the same as the branch code?
No. The last 6 characters of an IFSC (here: 001312) are the branch identifier within the bank, but the IFSC itself is the only code banks use for inter-bank transfers. The first 4 characters (UTKS) identify Utkarsh Small Finance Bank.
What if the IFSC code on this page is wrong?
This data is sourced from the RBI public IFSC dataset, refreshed monthly. If you spot an error, report it via the feedback link in the site footer — we cross-check against the bank's net banking portal and update within 48 hours.
Source: RBI public IFSC dataset, last refreshed 2026-06-08. Always cross-check the IFSC on your bank's net banking portal or passbook before high-value transfers. HonestMoney.in is not affiliated with Utkarsh Small Finance Bank or the Reserve Bank of India.