IFSC Code of Ujjivan Small Finance Bank Limited, Deoghar Branch, Jharkhand

Use this page as a one-stop reference for everything related to Ujjivan Small Finance Bank Limited's DEOGHAR branch in DEOGHAR, JHARKHAND. The branch's IFSC code UJVN0003503 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Ujjivan Small Finance Bank Limited's DEOGHAR branch, the IFSC UJVN0003503 breaks down as follows: UJVN identifies the bank, 0 is the reserved character, and 003503 identifies this particular branch.

About the bank

Ujjivan Small Finance Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Deoghar branch in Deoghar, Jharkhand is part of this network and uses the IFSC code UJVN0003503 for all electronic settlement.

Branch details at a glance

Deoghar branch overview

Located at HOTEL ANJALI,COURT ROAD-INFRONT OF SP OFFICE,SATSANG CHOWK,DEOGHAR,DEOGHAR,JHARKHAND-814112, the Deoghar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UJVN0003503 is required for all interbank electronic transfers routed through this branch.

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 DEOGHAR branch came to be assigned the code UJVN0003503.

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 UJVN0003503, money simply cannot be routed to the DEOGHAR branch electronically.

Products and account variants supported

Every account opened at the Deoghar branch is mapped to IFSC UJVN0003503 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 UJVN0003503.

Banking services available

The Deoghar 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 UJVN0003503

How to transfer money using IFSC UJVN0003503

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 UJVN0003503 across all three.

NEFT to Ujjivan Small Finance Bank Limited, DEOGHAR using IFSC UJVN0003503

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 UJVN0003503, and confirm that the system picks up Ujjivan Small Finance Bank Limited – DEOGHAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UJVN0003503

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 Ujjivan Small Finance Bank Limited – DEOGHAR, ensure your bank's portal accepts IFSC UJVN0003503 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Ujjivan Small Finance Bank Limited – DEOGHAR, use IMPS. With IFSC UJVN0003503 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Deoghar

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 UJVN0003503:

• 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 DEOGHAR is still linked to IFSC UJVN0003503.

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 UJVN0003503

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 – DEOGHAR is still mapped to IFSC UJVN0003503. 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 UJVN0003503 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UJVN0003503

Ujjivan Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the DEOGHAR 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 UJVN0003503 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 Deoghar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UJVN0003503 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Ujjivan Small Finance Bank Limited – DEOGHAR:

• The IFSC is exactly UJVN0003503 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Ujjivan Small Finance Bank Limited as the bank name and DEOGHAR as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Deoghar branch

The branch is located at HOTEL ANJALI,COURT ROAD-INFRONT OF SP OFFICE,SATSANG CHOWK,DEOGHAR,DEOGHAR,JHARKHAND-814112, which puts it inside Deoghar, the broader Deoghar district, and the state of Jharkhand. To plan your visit:

1. Open Google Maps on your phone and search for “Ujjivan Small Finance Bank Limited Deoghar branch” — the verified location pin for IFSC UJVN0003503 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 UJVN0003503 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UJVN0003503 for Ujjivan Small Finance Bank Limited – DEOGHAR, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

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 Deoghar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UJVN0003503, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UJVN0003503 belongs to Ujjivan Small Finance Bank Limited's DEOGHAR branch, located at HOTEL ANJALI,COURT ROAD-INFRONT OF SP OFFICE,SATSANG… in DEOGHAR, JHARKHAND. 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.