Use this page as a one-stop reference for everything related to Ujjivan Small Finance Bank Limited's CHERTHALA branch in CHERTHALA, KERALA. The branch's IFSC code UJVN0001606 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, UJVN0001606 is the IFSC of Ujjivan Small Finance Bank Limited's CHERTHALA branch. The format is fixed: UJVN = bank code, 0 = reserved, 001606 = branch identifier.
About Ujjivan Small Finance Bank Limited
Ujjivan Small Finance Bank Limited operates a wide network of branches across India, including the Cherthala branch in Cherthala. 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, UJVN0001606.
Branch details at a glance
| Bank Name | Ujjivan Small Finance Bank Limited |
|---|---|
| Branch | Cherthala |
| IFSC Code | UJVN0001606 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SY.NO.258-17 B1, B3, WARD XI, NORTH OF S.N.M.M HOSPITAL,AC ROAD, CHERTHALA, ALAPPUZHA,ALAPPUZHA,KERALA-688524 |
| City | Cherthala |
| District | Alappuzha |
| State | Kerala |
| STD Code | 80 |
| Phone | 40712166 |
About the Cherthala branch
The Cherthala branch of Ujjivan Small Finance Bank Limited is situated at SY.NO.258-17 B1, B3, WARD XI, NORTH OF S.N.M.M HOSPITAL,AC ROAD, CHERTHALA, ALAPPUZHA,ALAPPUZHA,KERALA-688524. 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 UJVN0001606 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 CHERTHALA of Ujjivan Small Finance Bank Limited — its own 11-character IFSC. The code UJVN0001606 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 UJVN0001606 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Cherthala branch is mapped to IFSC UJVN0001606 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 UJVN0001606.
Products and services
Customers walking into the Cherthala 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 UJVN0001606
How to transfer money using IFSC UJVN0001606
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 UJVN0001606 across all three.
How to use IFSC UJVN0001606 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 CHERTHALA 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC UJVN0001606.
- Confirm the bank name auto-populates as Ujjivan Small Finance Bank Limited and the branch as CHERTHALA.
- 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 CHERTHALA
If you need to transfer ₹2 lakh or more in one go to an account at Ujjivan Small Finance Bank Limited's CHERTHALA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UJVN0001606 while initiating the transfer and the credit will appear within minutes.
IMPS to Ujjivan Small Finance Bank Limited CHERTHALA (IFSC UJVN0001606)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UJVN0001606 in your mobile or internet banking app, and the money is credited to the CHERTHALA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Cherthala
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 UJVN0001606:
- 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 CHERTHALA is still linked to IFSC UJVN0001606.
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 CHERTHALA branch, the IFSC UJVN0001606 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.
Online banking and IFSC UJVN0001606
Ujjivan Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the CHERTHALA 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 UJVN0001606 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.
MICR & cheque-truncation details
Cheques drawn on the Cherthala branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UJVN0001606 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC UJVN0001606
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 – CHERTHALA, 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:
UJVN0001606. - 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 Cherthala branch
The branch is located at SY.NO.258-17 B1, B3, WARD XI, NORTH OF S.N.M.M HOSPITAL,AC ROAD, CHERTHALA, ALAPPUZHA,ALAPPUZHA,KERALA-688524, which puts it inside Cherthala, the broader Alappuzha district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Ujjivan Small Finance Bank Limited Cherthala branch” — the verified location pin for IFSC UJVN0001606 should appear at the top of the results.
- Confirm the branch is open by calling 80-40712166 before stepping out, especially around public holidays.
- 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 UJVN0001606 and your account number.
Verifying IFSC UJVN0001606 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 UJVN0001606 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 Cherthala 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 UJVN0001606 continue to work without interruption.
Branch address & contact
Ujjivan Small Finance Bank LimitedCherthala Branch
SY.NO.258-17 B1, B3, WARD XI, NORTH OF S.N.M.M HOSPITAL,AC ROAD, CHERTHALA, ALAPPUZHA,ALAPPUZHA,KERALA-688524
Cherthala, Kerala
Phone: 80-40712166
IFSC: UJVN0001606
Frequently asked questions
How quickly will an NEFT transfer using UJVN0001606 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Ujjivan Small Finance Bank Limited – Cherthala reflect within 30 minutes.
Can I use IFSC UJVN0001606 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UJVN0001606 to send funds instantly.
Is IFSC UJVN0001606 the same for all accounts at Cherthala branch?
Yes. The IFSC UJVN0001606 is shared by every account held at Ujjivan Small Finance Bank Limited's Cherthala branch. Only the account number changes from customer to customer.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Cherthala branch but serve different purposes.
What is the IFSC code of Ujjivan Small Finance Bank Limited Cherthala branch?
The IFSC code of Ujjivan Small Finance Bank Limited, Cherthala branch is UJVN0001606. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Ujjivan Small Finance Bank Limited Cherthala branch located?
Ujjivan Small Finance Bank Limited's Cherthala branch is located at SY.NO.258-17 B1, B3, WARD XI, NORTH OF S.N.M.M HOSPITAL,AC ROAD, CHERTHALA, ALAPPUZHA,ALAPPUZHA,KERALA-688524, Cherthala, Kerala.
Summary
The IFSC code UJVN0001606 belongs to Ujjivan Small Finance Bank Limited's CHERTHALA branch, located at SY.NO.258-17 B1, B3, WARD XI, NORTH OF S.N.M.M HOSPITAL,AC ROAD, CHERTHALA,… in CHERTHALA, KERALA. 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.
