IFSC Code of IDFC First Bank Limited, Utai Branch Branch, Chhattisgarh

Below are the complete branch details for IDFC First Bank Limited, UTAI BRANCH branch, located in UTAI, CHHATTISGARH. The IFSC assigned by the Reserve Bank of India to this branch is IDFB0060561. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IDFB0060561 for IDFC First Bank Limited – UTAI BRANCH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for IDFC First Bank Limited – UTAI BRANCH is IDFB0060561. The first four letters IDFB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 060561 map to this branch in UTAI, CHHATTISGARH.

Branch details at a glance

About IDFC First Bank Limited

IDFC First Bank Limited operates a wide network of branches across India, including the Utai Branch branch in Utai. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, IDFB0060561.

About the Utai Branch branch

The Utai Branch branch of IDFC First Bank Limited is situated at GROUND FLOOR, SAI COMPLEX, WARD NO.4, P.H.NO.30, KHASRA NO.986/19,986/60, UTAI MARKET TO PATTAN ROAD, UTAI-491107, DIST.DURG, CHHATTISGARH, TOLL FREE NO.18004194332. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code IDFB0060561 is used.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how IDFC First Bank Limited's UTAI BRANCH branch came to be assigned the code IDFB0060561.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC IDFB0060561, money simply cannot be routed to the UTAI BRANCH branch electronically.

How to transfer money using IFSC IDFB0060561

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC IDFB0060561 across all three.

NEFT to IDFC First Bank Limited, UTAI BRANCH using IFSC IDFB0060561

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC IDFB0060561, and confirm that the system picks up IDFC First Bank Limited – UTAI BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC IDFB0060561

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to IDFC First Bank Limited – UTAI BRANCH, ensure your bank's portal accepts IFSC IDFB0060561 while registering the beneficiary. RTGS is also available 24x7.

IMPS to IDFC First Bank Limited UTAI BRANCH (IFSC IDFB0060561)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDFB0060561 in your mobile or internet banking app, and the money is credited to the UTAI BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Utai Branch

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC IDFB0060561:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at UTAI BRANCH is still linked to IFSC IDFB0060561.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC IDFB0060561

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at IDFC First Bank Limited – UTAI BRANCH is still mapped to IFSC IDFB0060561. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC IDFB0060561 and the beneficiary's account number to complete the transfer.

Account types you can open at the Utai Branch branch

Once you have an account at IDFC First Bank Limited – UTAI BRANCH, the IFSC IDFB0060561 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Utai Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC IDFB0060561

MICR & cheque-truncation details

Cheques drawn on the Utai Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDFB0060561 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Utai Branch branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC IDFB0060561 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Common mistakes to avoid when using IFSC IDFB0060561

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to IDFC First Bank Limited – UTAI BRANCH, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: IDFB0060561.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

How to reach the Utai Branch branch

The branch is located at GROUND FLOOR, SAI COMPLEX, WARD NO.4, P.H.NO.30, KHASRA NO.986/19,986/60, UTAI MARKET TO PATTAN ROAD, UTAI-491107, DIST.DURG, CHHATTISGARH, TOLL FREE NO.18004194332, which puts it inside Utai, the broader Durg district, and the state of Chhattisgarh. To plan your visit:

1. Open Google Maps on your phone and search for “IDFC First Bank Limited Utai Branch branch” — the verified location pin for IFSC IDFB0060561 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC IDFB0060561 and your account number.

Verifying IFSC IDFB0060561 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm IDFB0060561 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on the branch contact number.
• Visiting the bank's official branch locator page.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Utai Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDFB0060561, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IDFB0060561 is the IFSC code of IDFC First Bank Limited, UTAI BRANCH branch, in UTAI, CHHATTISGARH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.