IFSC Code of Ujjivan Small Finance Bank Limited, Bhadravathi Branch, Karnataka

Use this page as a one-stop reference for everything related to Ujjivan Small Finance Bank Limited's BHADRAVATHI branch in BHADRAVATHI, KARNATAKA. The branch's IFSC code UJVN0001143 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, UJVN0001143 is the IFSC of Ujjivan Small Finance Bank Limited's BHADRAVATHI branch. The format is fixed: UJVN = bank code, 0 = reserved, 001143 = branch identifier.

About Ujjivan Small Finance Bank Limited

Ujjivan Small Finance Bank Limited operates a wide network of branches across India, including the Bhadravathi branch in Bhadravathi. 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, UJVN0001143.

About the Bhadravathi branch

The Bhadravathi branch of Ujjivan Small Finance Bank Limited is situated at GROUND FLOOR,B H ROAD OPP RAILWAY STATION,BHADRAVATHI,SHIVAMOGGA,KARNATAKA-577301. 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 UJVN0001143 is used.

Branch details at a glance

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 Ujjivan Small Finance Bank Limited's BHADRAVATHI branch came to be assigned the code UJVN0001143.

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 UJVN0001143, money simply cannot be routed to the BHADRAVATHI branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Bhadravathi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UJVN0001143 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC UJVN0001143

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 UJVN0001143 across all three.

How to use IFSC UJVN0001143 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Ujjivan Small Finance Bank Limited's BHADRAVATHI branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UJVN0001143.
4. Confirm the bank name auto-populates as Ujjivan Small Finance Bank Limited and the branch as BHADRAVATHI.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to BHADRAVATHI

If you need to transfer ₹2 lakh or more in one go to an account at Ujjivan Small Finance Bank Limited's BHADRAVATHI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UJVN0001143 while initiating the transfer and the credit will appear within minutes.

IMPS to Ujjivan Small Finance Bank Limited BHADRAVATHI (IFSC UJVN0001143)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UJVN0001143 in your mobile or internet banking app, and the money is credited to the BHADRAVATHI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Bhadravathi

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 UJVN0001143:

• 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 BHADRAVATHI is still linked to IFSC UJVN0001143.

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 UJVN0001143

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 Ujjivan Small Finance Bank Limited – BHADRAVATHI is still mapped to IFSC UJVN0001143. 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 UJVN0001143 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Bhadravathi branch is mapped to IFSC UJVN0001143 on the RBI payments network. The branch generally supports the full retail product catalogue of Ujjivan Small Finance Bank Limited, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains UJVN0001143.

Banking services available

The Bhadravathi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 80-40712166.

• 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 UJVN0001143

Online banking and IFSC UJVN0001143

Ujjivan Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BHADRAVATHI branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC UJVN0001143 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

How to reach the Bhadravathi branch

The branch is located at GROUND FLOOR,B H ROAD OPP RAILWAY STATION,BHADRAVATHI,SHIVAMOGGA,KARNATAKA-577301, which puts it inside Bhadravathi, the broader Shivamogga district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Ujjivan Small Finance Bank Limited Bhadravathi branch” — the verified location pin for IFSC UJVN0001143 should appear at the top of the results.
2. Confirm the branch is open by calling 80-40712166 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 UJVN0001143 and your account number.

Common mistakes to avoid when using IFSC UJVN0001143

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 Ujjivan Small Finance Bank Limited – BHADRAVATHI, 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: UJVN0001143.
• 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.

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 Bhadravathi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UJVN0001143, however, work 24x7.

Verifying IFSC UJVN0001143 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 UJVN0001143 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 80-40712166.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UJVN0001143 belongs to Ujjivan Small Finance Bank Limited's BHADRAVATHI branch, located at GROUND FLOOR,B H ROAD OPP RAILWAY… in BHADRAVATHI, KARNATAKA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.