Overview of IFSC Code UTKS0001072: The IFSC code UTKS0001072 uniquely identifies the Utkarsh Small Finance Bank branch located at Garkha in the Saran district of Bihar. This 11-digit alphanumeric code is mandatory for routing electronic fund transfers like NEFT, RTGS, and IMPS to the correct bank account.

IFSC Code UTKS0001072 - Utkarsh Small Finance Bank Garkha

UTKS0001072 Utkarsh Small Finance Bank Garkha Saran Bihar

UTKARSH SMALL FINANCE BANK-GARKHA ASHOK KUMAR UPADHYA VILL RAIPURA POST GARKHA SARAN BIHAR

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Quick Info

IFSC: UTKS0001072

Pincode: 841311

District: Saran

Status: Active

About Utkarsh Small Finance Bank Garkha

IFSC Code UTKS0001072 belongs to Utkarsh Small Finance Bank Garkha branch located in Garkha, Saran, Bihar. This branch serves customers in Garkha, Saran, Bihar and surrounding areas.

Understanding IFSC Code UTKS0001072

The IFSC (Indian Financial System Code) UTKS0001072 is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to uniquely identify this specific bank branch. The code structure follows a specific format:

  • First 4 characters (UTKS): Bank code identifying Utkarsh Small Finance Bank
  • 5th character (0): Reserved for future use (always 0)
  • Last 6 characters (001072): Unique branch identifier for Garkha
Electronic Fund Transfer Services

IFSC Code UTKS0001072 is essential for all electronic fund transfers in India. This code ensures that money transfers are routed to the correct bank branch. The following payment systems use IFSC codes:

NEFT (National Electronic Funds Transfer)

Batch processing system for fund transfers. Available Yes at this branch.

Processing: Multiple batches daily, typically settles within 2 hours during banking hours.

RTGS (Real Time Gross Settlement)

Real-time fund transfer for high-value transactions (minimum ₹2 lakh). Available Yes at this branch.

Processing: Real-time settlement, typically within minutes during RTGS hours.

IMPS (Immediate Payment Service)

24/7 instant fund transfer service via mobile or internet banking. Available Yes at this branch.

Processing: Instant transfer, available 24/7 including holidays.

UPI (Unified Payments Interface)

Instant mobile payment system using UPI ID or QR code. Available Yes at this branch.

Processing: Instant transfer, available 24/7, no IFSC code needed for UPI transactions.

Branch Location and Accessibility

The Utkarsh Small Finance Bank Garkha branch is located at UTKARSH SMALL FINANCE BANK-GARKHA ASHOK KUMAR UPADHYA VILL RAIPURA POST GARKHA SARAN BIHAR (Pincode: 841311) in Garkha, Saran, Bihar. This location serves customers in Garkha, Saran, Bihar and nearby areas. When initiating any electronic fund transfer to an account held at this branch, you must use IFSC Code UTKS0001072 to ensure the transaction is routed correctly.

How to Use IFSC Code UTKS0001072

When making online fund transfers to an account at this branch, you will need:

  1. IFSC Code: UTKS0001072 (for NEFT, RTGS, IMPS)
  2. Account Number: The recipient's account number
  3. Account Holder Name: As registered with the bank
Important: Always verify the IFSC code before initiating any fund transfer. Incorrect IFSC codes can result in failed transactions or funds being sent to the wrong branch. This IFSC code information is verified from official Reserve Bank of India (RBI) records and is updated regularly to ensure accuracy.
Finding Other Utkarsh Small Finance Bank Branches

If you're looking for other Utkarsh Small Finance Bank branches in Garkha, Saran, Bihar or nearby areas, use our Utkarsh Small Finance Bank branch finder. You can search by city, district, or state to find all Utkarsh Small Finance Bank branches with their respective IFSC codes.

Branch Details
IFSC Code: UTKS0001072
Bank Name: Utkarsh Small Finance Bank
Branch Name: Garkha
Address: UTKARSH SMALL FINANCE BANK-GARKHA ASHOK KUMAR UPADHYA VILL RAIPURA POST GARKHA SARAN BIHAR
City: Garkha
District: Saran
State: Bihar
Pincode: 841311
Payment Services Available
NEFT
Available
RTGS
Available
IMPS
Available
UPI
Available
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Utkarsh Small Finance Bank Garkha Branch IFSC Code UTKS0001072 — Complete Banking Guide for Garkha, Bihar

IFSC code UTKS0001072 belongs to the Garkha branch of Utkarsh Small Finance Bank in Garkha, Saran district, Bihar. This 11-character code, assigned by the Reserve Bank of India, is mandatory for all digital fund transfers — NEFT, RTGS, IMPS, and UPI. Every payment initiated to an account at this branch must include IFSC UTKS0001072 to ensure accurate routing through India's centralised payment infrastructure. Providing an incorrect IFSC may delay or fail the transaction, so always verify the code before confirming any transfer.

About Utkarsh Small Finance Bank, Garkha Branch

The Garkha branch of Utkarsh Small Finance Bank in Garkha, Bihar serves retail and corporate customers in Saran district with a full range of banking products. Services typically include savings and current accounts, fixed and recurring deposits, personal and home loans, vehicle finance, trade finance, locker facilities, and wealth management. The branch also supports digital banking — internet banking, mobile banking, UPI, and contactless debit/credit card issuance. Its IFSC UTKS0001072 is the key identifier for all fund transfers routed to accounts at this location through RBI's payment systems.

Payment Methods Using IFSC UTKS0001072

Four primary digital payment rails use IFSC UTKS0001072 for transfers to Utkarsh Small Finance Bank, Garkha: NEFT — batch-based, 48 half-hourly settlements daily, no minimum amount, ideal for regular transfers; RTGS — real-time, 24×7, minimum ₹2 lakh, used for high-value transactions; IMPS — instant, 24×7, up to ₹5 lakh, best for urgent transfers; UPI — uses Virtual Payment Address (VPA) linked to accounts at this branch, instant and zero-cost for most transactions. For each method, the sender's bank verifies IFSC UTKS0001072 against the RBI IFSC master list before processing the payment.

MICR Code and Branch Details

In addition to the IFSC, the Garkha branch of Utkarsh Small Finance Bank in Garkha carries a MICR (Magnetic Ink Character Recognition) code — a 9-digit number printed on cheques that identifies the bank, city, and branch for cheque clearing through the MICR-based clearing system. While NEFT/RTGS/IMPS use the IFSC UTKS0001072 exclusively for electronic transfers, MICR remains relevant for paper-based cheque processing. Both codes are listed on this page for complete branch reference.

How to Verify IFSC UTKS0001072 Before Transferring

Before initiating any high-value transfer to IFSC UTKS0001072, verify the code through: (1) the RBI's official IFSC repository at rbi.org.in; (2) Utkarsh Small Finance Bank's official website branch locator; (3) MahaFind's IFSC lookup — the page you are currently viewing. Cross-reference the branch address and bank name displayed here against the details provided by your recipient to confirm accuracy. A mismatch in even one character of the IFSC can reroute your transfer to a different branch entirely.

FAQs — Utkarsh Small Finance Bank Garkha, Garkha IFSC

What is the IFSC of Utkarsh Small Finance Bank Garkha in Garkha?

The IFSC of Utkarsh Small Finance Bank, Garkha branch in Garkha, Bihar is UTKS0001072. Use this for NEFT, RTGS, IMPS, and UPI transfers to any account at this branch.

What is the minimum amount for NEFT to IFSC UTKS0001072?

There is no minimum amount for NEFT transfers. You can send as little as ₹1. RTGS requires a minimum of ₹2 lakh. IMPS supports up to ₹5 lakh per transaction. All three use IFSC UTKS0001072 to route funds to Utkarsh Small Finance Bank, Garkha, Garkha.

Who assigns IFSC codes like UTKS0001072?

The Reserve Bank of India (RBI) assigns all IFSC codes in India. Utkarsh Small Finance Bank applied for the IFSC for its Garkha branch in Garkha, and RBI issued UTKS0001072 as the unique identifier. The complete list of valid IFSCs is maintained in RBI's IFSC master directory.

Can I use IFSC UTKS0001072 for UPI payments?

UPI payments are linked to a Virtual Payment Address (VPA) rather than an IFSC directly, but the underlying account is mapped to IFSC UTKS0001072 at Utkarsh Small Finance Bank, Garkha, Garkha. When sending money via NEFT/RTGS/IMPS to this branch's account holders, always use IFSC UTKS0001072.

About IFSC Code UTKS0001072

IFSC Code UTKS0001072 belongs to Utkarsh Small Finance Bank branch Garkha located in Garkha, Saran, Bihar.

Branch Information

  • IFSC Code: UTKS0001072
  • Bank: Utkarsh Small Finance Bank
  • Branch: Garkha
  • Address: UTKARSH SMALL FINANCE BANK-GARKHA ASHOK KUMAR UPADHYA VILL RAIPURA POST GARKHA SARAN BIHAR
  • City: Garkha
  • District: Saran
  • State: Bihar
  • Pincode: 841311

Payment Services

  • NEFT: Available
  • RTGS: Available
  • IMPS: Available
  • UPI: Available
Note: IFSC (Indian Financial System Code) is an 11-character code used to identify bank branches for electronic fund transfers (NEFT, RTGS, IMPS). Always verify the IFSC code before initiating any transaction.

Frequently Asked Questions

IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches for electronic fund transfers. You can find IFSC code using our IFSC code search tool by entering the bank name, branch name, or the IFSC code itself.

To check IFSC code, use our IFSC code search tool. Enter the bank name and branch name, or search by IFSC code directly. You can also find banks near me by searching with your location.

IFSC code format consists of 11 characters: first 4 characters represent the bank name, followed by a zero (0), and the last 6 characters represent the branch code. For example, HDFC0001234 where HDFC is the bank code and 001234 is the branch code.

To find banks near me, use our IFSC finder tool. Enter your city or location, and we will show you all nearby bank branches with their IFSC codes, addresses, and contact details.

IFSC code is used for electronic fund transfers (NEFT, RTGS, IMPS) and is 11 characters long. MICR code is used for cheque processing and is 9 digits long. Both codes uniquely identify a bank branch.

You can verify IFSC code using our check IFSC code tool. Enter the IFSC code, and we will display the complete branch details including bank name, branch name, address, and available payment services (NEFT, RTGS, IMPS, UPI).

Yes, IFSC code is required for all electronic fund transfer methods including NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service). Our tool shows which services are available for each branch.

To get IFSC code by bank name and branch, use our search tool. Select "Search by Bank & Branch" option, enter the bank name (e.g., Utkarsh Small Finance Bank) and branch name, and we will display the complete IFSC code details.