IFSC Code UTKS0002105 - Utkarsh Small Finance Bank Buguda
UTKARSH SMALL FINANCE BANK LTD.NEAR CINEMA HALL MAIN ROAD BUGUDA DIST-GANJAM ODISHA-761118
Quick Info
IFSC: UTKS0002105
Pincode: 761118
District: Ganjam
Status: Active
About Utkarsh Small Finance Bank Buguda
IFSC Code UTKS0002105 belongs to Utkarsh Small Finance Bank Buguda branch located in Buguda, Ganjam, Odisha. This branch serves customers in Buguda, Ganjam, Odisha and surrounding areas.
Understanding IFSC Code UTKS0002105
The IFSC (Indian Financial System Code) UTKS0002105 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 (002105): Unique branch identifier for Buguda
Electronic Fund Transfer Services
IFSC Code UTKS0002105 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 Buguda branch is located at UTKARSH SMALL FINANCE BANK LTD.NEAR CINEMA HALL MAIN ROAD BUGUDA DIST-GANJAM ODISHA-761118 (Pincode: 761118) in Buguda, Ganjam, Odisha. This location serves customers in Buguda, Ganjam, Odisha and nearby areas. When initiating any electronic fund transfer to an account held at this branch, you must use IFSC Code UTKS0002105 to ensure the transaction is routed correctly.
How to Use IFSC Code UTKS0002105
When making online fund transfers to an account at this branch, you will need:
- IFSC Code: UTKS0002105 (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 Buguda, Ganjam, 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: | UTKS0002105 |
| Bank Name: | Utkarsh Small Finance Bank |
| Branch Name: | Buguda |
| Address: | UTKARSH SMALL FINANCE BANK LTD.NEAR CINEMA HALL MAIN ROAD BUGUDA DIST-GANJAM ODISHA-761118 |
| City: | Buguda |
| District: | Ganjam |
| State: | Odisha |
| Pincode: | 761118 |
Payment Services Available
Utkarsh Small Finance Bank Buguda Branch IFSC Code UTKS0002105 — Complete Banking Guide for Buguda, Odisha
IFSC code UTKS0002105 belongs to the Buguda branch of Utkarsh Small Finance Bank in Buguda, Ganjam 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 UTKS0002105 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, Buguda Branch
The Buguda branch of Utkarsh Small Finance Bank in Buguda, Odisha serves retail and corporate customers in Ganjam 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 UTKS0002105 is the key identifier for all fund transfers routed to accounts at this location through RBI's payment systems.
Payment Methods Using IFSC UTKS0002105
Four primary digital payment rails use IFSC UTKS0002105 for transfers to Utkarsh Small Finance Bank, Buguda: 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 UTKS0002105 against the RBI IFSC master list before processing the payment.
MICR Code and Branch Details
In addition to the IFSC, the Buguda branch of Utkarsh Small Finance Bank in Buguda 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 UTKS0002105 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 UTKS0002105 Before Transferring
Before initiating any high-value transfer to IFSC UTKS0002105, 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 Buguda, Buguda IFSC
What is the IFSC of Utkarsh Small Finance Bank Buguda in Buguda?
The IFSC of Utkarsh Small Finance Bank, Buguda branch in Buguda, Odisha is UTKS0002105. Use this for NEFT, RTGS, IMPS, and UPI transfers to any account at this branch.
What is the minimum amount for NEFT to IFSC UTKS0002105?
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 UTKS0002105 to route funds to Utkarsh Small Finance Bank, Buguda, Buguda.
Who assigns IFSC codes like UTKS0002105?
The Reserve Bank of India (RBI) assigns all IFSC codes in India. Utkarsh Small Finance Bank applied for the IFSC for its Buguda branch in Buguda, and RBI issued UTKS0002105 as the unique identifier. The complete list of valid IFSCs is maintained in RBI's IFSC master directory.
Can I use IFSC UTKS0002105 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 UTKS0002105 at Utkarsh Small Finance Bank, Buguda, Buguda. When sending money via NEFT/RTGS/IMPS to this branch's account holders, always use IFSC UTKS0002105.
About IFSC Code UTKS0002105
IFSC Code UTKS0002105 belongs to Utkarsh Small Finance Bank branch Buguda located in Buguda, Ganjam, Odisha.
Branch Information
- IFSC Code: UTKS0002105
- Bank: Utkarsh Small Finance Bank
- Branch: Buguda
- Address: UTKARSH SMALL FINANCE BANK LTD.NEAR CINEMA HALL MAIN ROAD BUGUDA DIST-GANJAM ODISHA-761118
- City: Buguda
- District: Ganjam
- State: Odisha
- Pincode: 761118
Payment Services
- NEFT: Available
- RTGS: Available
- IMPS: Available
- UPI: Available