IFSC Code UTKS0002048 - Utkarsh Small Finance Bank Kakatpur
UTKARSH SMALL FINANCE BANK LTD.BLOCK CHAK NEAR BLOCK OFFICE KAKATPUR DIST-PURI ODISHA-752108
Quick Info
IFSC: UTKS0002048
Pincode: 752108
District: Puri
Status: Active
About Utkarsh Small Finance Bank Kakatpur
IFSC Code UTKS0002048 belongs to Utkarsh Small Finance Bank Kakatpur branch located in Puri, Puri, Odisha. This branch serves customers in Puri, Puri, Odisha and surrounding areas.
Understanding IFSC Code UTKS0002048
The IFSC (Indian Financial System Code) UTKS0002048 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 (002048): Unique branch identifier for Kakatpur
Electronic Fund Transfer Services
IFSC Code UTKS0002048 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 Kakatpur branch is located at UTKARSH SMALL FINANCE BANK LTD.BLOCK CHAK NEAR BLOCK OFFICE KAKATPUR DIST-PURI ODISHA-752108 (Pincode: 752108) in Puri, Puri, Odisha. This location serves customers in Puri, Puri, Odisha and nearby areas. When initiating any electronic fund transfer to an account held at this branch, you must use IFSC Code UTKS0002048 to ensure the transaction is routed correctly.
How to Use IFSC Code UTKS0002048
When making online fund transfers to an account at this branch, you will need:
- IFSC Code: UTKS0002048 (for NEFT, RTGS, IMPS)
- Account Number: The recipient's account number
- Account Holder Name: As registered with the bank
Finding Other Utkarsh Small Finance Bank Branches
If you're looking for other Utkarsh Small Finance Bank branches in Puri, Puri, Odisha 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: | UTKS0002048 |
| Bank Name: | Utkarsh Small Finance Bank |
| Branch Name: | Kakatpur |
| Address: | UTKARSH SMALL FINANCE BANK LTD.BLOCK CHAK NEAR BLOCK OFFICE KAKATPUR DIST-PURI ODISHA-752108 |
| City: | Puri |
| District: | Puri |
| State: | Odisha |
| Pincode: | 752108 |
Payment Services Available
Utkarsh Small Finance Bank Kakatpur Branch IFSC Code UTKS0002048 — Complete Banking Guide for Puri, Odisha
IFSC code UTKS0002048 belongs to the Kakatpur branch of Utkarsh Small Finance Bank in Puri, Puri district, Odisha. 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 UTKS0002048 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, Kakatpur Branch
The Kakatpur branch of Utkarsh Small Finance Bank in Puri, Odisha serves retail and corporate customers in Puri 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 UTKS0002048 is the key identifier for all fund transfers routed to accounts at this location through RBI's payment systems.
Payment Methods Using IFSC UTKS0002048
Four primary digital payment rails use IFSC UTKS0002048 for transfers to Utkarsh Small Finance Bank, Kakatpur: 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 UTKS0002048 against the RBI IFSC master list before processing the payment.
MICR Code and Branch Details
In addition to the IFSC, the Kakatpur branch of Utkarsh Small Finance Bank in Puri 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 UTKS0002048 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 UTKS0002048 Before Transferring
Before initiating any high-value transfer to IFSC UTKS0002048, 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 Kakatpur, Puri IFSC
What is the IFSC of Utkarsh Small Finance Bank Kakatpur in Puri?
The IFSC of Utkarsh Small Finance Bank, Kakatpur branch in Puri, Odisha is UTKS0002048. Use this for NEFT, RTGS, IMPS, and UPI transfers to any account at this branch.
What is the minimum amount for NEFT to IFSC UTKS0002048?
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 UTKS0002048 to route funds to Utkarsh Small Finance Bank, Kakatpur, Puri.
Who assigns IFSC codes like UTKS0002048?
The Reserve Bank of India (RBI) assigns all IFSC codes in India. Utkarsh Small Finance Bank applied for the IFSC for its Kakatpur branch in Puri, and RBI issued UTKS0002048 as the unique identifier. The complete list of valid IFSCs is maintained in RBI's IFSC master directory.
Can I use IFSC UTKS0002048 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 UTKS0002048 at Utkarsh Small Finance Bank, Kakatpur, Puri. When sending money via NEFT/RTGS/IMPS to this branch's account holders, always use IFSC UTKS0002048.
About IFSC Code UTKS0002048
IFSC Code UTKS0002048 belongs to Utkarsh Small Finance Bank branch Kakatpur located in Puri, Puri, Odisha.
Branch Information
- IFSC Code: UTKS0002048
- Bank: Utkarsh Small Finance Bank
- Branch: Kakatpur
- Address: UTKARSH SMALL FINANCE BANK LTD.BLOCK CHAK NEAR BLOCK OFFICE KAKATPUR DIST-PURI ODISHA-752108
- City: Puri
- District: Puri
- State: Odisha
- Pincode: 752108
Payment Services
- NEFT: Available
- RTGS: Available
- IMPS: Available
- UPI: Available