IFSC Code of Ujjivan Small Finance Bank Limited, Bharuch Branch, Gujarat

Use this page as a one-stop reference for everything related to Ujjivan Small Finance Bank Limited's BHARUCH branch in BHARUCH, GUJARAT. The branch's IFSC code UJVN0004449 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, UJVN0004449 is the IFSC of Ujjivan Small Finance Bank Limited's BHARUCH branch. The format is fixed: UJVN = bank code, 0 = reserved, 004449 = branch identifier.

Branch details at a glance

Bank profile

Ujjivan Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Bharuch branch — IFSC UJVN0004449 — extends the bank's services to customers in and around Bharuch, Gujarat.

About the Bharuch branch

The Bharuch branch of Ujjivan Small Finance Bank Limited is situated at NEXUS BUSINESS HUB,NEXT TO DHEERAJ SONS SUPER MARKET,MAKTAMPUR, ZADESHWAR ROAD, BHARUCH,BHARUCH,GUJARAT-392011. 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 UJVN0004449 is used.

Why every Ujjivan Small Finance Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including BHARUCH of Ujjivan Small Finance Bank Limited — its own 11-character IFSC. The code UJVN0004449 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC UJVN0004449 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC UJVN0004449

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 UJVN0004449 across all three.

How to use IFSC UJVN0004449 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 BHARUCH 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 UJVN0004449.
4. Confirm the bank name auto-populates as Ujjivan Small Finance Bank Limited and the branch as BHARUCH.
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 BHARUCH

If you need to transfer ₹2 lakh or more in one go to an account at Ujjivan Small Finance Bank Limited's BHARUCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UJVN0004449 while initiating the transfer and the credit will appear within minutes.

IMPS to Ujjivan Small Finance Bank Limited BHARUCH (IFSC UJVN0004449)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UJVN0004449 in your mobile or internet banking app, and the money is credited to the BHARUCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Bharuch

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 UJVN0004449:

• 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 BHARUCH is still linked to IFSC UJVN0004449.

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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Ujjivan Small Finance Bank Limited's BHARUCH branch, the IFSC UJVN0004449 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Products and account variants supported

Every account opened at the Bharuch branch is mapped to IFSC UJVN0004449 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 UJVN0004449.

Products and services

Customers walking into the Bharuch branch can access most of Ujjivan Small Finance Bank Limited's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC UJVN0004449

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Ujjivan Small Finance Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC UJVN0004449 and the account number together uniquely identify the Bharuch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC UJVN0004449

Ujjivan Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BHARUCH 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 UJVN0004449 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.

Common mistakes to avoid when using IFSC UJVN0004449

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 – BHARUCH, 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: UJVN0004449.
• 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.

Reaching the branch

The Bharuch branch sits at NEXUS BUSINESS HUB,NEXT TO DHEERAJ SONS SUPER MARKET,MAKTAMPUR, ZADESHWAR ROAD, BHARUCH,BHARUCH,GUJARAT-392011. If you are travelling from outside Bharuch, search for the branch on a maps application using the bank name and locality, or call 80-40712166 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC UJVN0004449 and your account number.

Verifying IFSC UJVN0004449 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 UJVN0004449 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.

Working hours

Branch counters at Bharuch are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to UJVN0004449 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UJVN0004449 belongs to Ujjivan Small Finance Bank Limited's BHARUCH branch, located at NEXUS BUSINESS HUB,NEXT TO DHEERAJ SONS SUPER MARKET,MAKTAMPUR, ZADESHWAR… in BHARUCH, GUJARAT. 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.