IFSC Code of Ujjivan Small Finance Bank Limited, Ekangarsarai Branch, Bihar

Below are the complete branch details for Ujjivan Small Finance Bank Limited, EKANGARSARAI branch, located in EKANGARSARAI, BIHAR. The IFSC assigned by the Reserve Bank of India to this branch is UJVN0003601. 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 UJVN0003601 for Ujjivan Small Finance Bank Limited – EKANGARSARAI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 EKANGARSARAI branch, the IFSC UJVN0003601 breaks down as follows: UJVN identifies the bank, 0 is the reserved character, and 003601 identifies this particular branch.

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 Ekangarsarai branch — IFSC UJVN0003601 — extends the bank's services to customers in and around Ekangarsarai, Bihar.

About this branch

The branch is located at NEAR IOCL PETROL PUMP,JEHANABAD ROAD,EKANGARSARAI,NALANDA,BIHAR-801301. It serves the Ekangarsarai region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Ujjivan Small Finance Bank Limited. The IFSC UJVN0003601 is used to identify this branch on the RBI payments network.

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 EKANGARSARAI branch came to be assigned the code UJVN0003601.

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 UJVN0003601, money simply cannot be routed to the EKANGARSARAI branch electronically.

How to transfer money using IFSC UJVN0003601

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 UJVN0003601 across all three.

How to use IFSC UJVN0003601 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 EKANGARSARAI 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 UJVN0003601.
4. Confirm the bank name auto-populates as Ujjivan Small Finance Bank Limited and the branch as EKANGARSARAI.
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 EKANGARSARAI

If you need to transfer ₹2 lakh or more in one go to an account at Ujjivan Small Finance Bank Limited's EKANGARSARAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UJVN0003601 while initiating the transfer and the credit will appear within minutes.

IMPS to Ujjivan Small Finance Bank Limited EKANGARSARAI (IFSC UJVN0003601)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UJVN0003601 in your mobile or internet banking app, and the money is credited to the EKANGARSARAI branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UJVN0003601 for Ujjivan Small Finance Bank Limited – EKANGARSARAI, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Ekangarsarai branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC UJVN0003601

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 – EKANGARSARAI is still mapped to IFSC UJVN0003601. 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 UJVN0003601 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Ekangarsarai branch is mapped to IFSC UJVN0003601 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 UJVN0003601.

Banking services available

The Ekangarsarai 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 UJVN0003601

MICR & cheque-truncation details

Cheques drawn on the Ekangarsarai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UJVN0003601 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC UJVN0003601

Ujjivan Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the EKANGARSARAI 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 UJVN0003601 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.

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 – EKANGARSARAI:

• The IFSC is exactly UJVN0003601 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 EKANGARSARAI 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.

Reaching the branch

The Ekangarsarai branch sits at NEAR IOCL PETROL PUMP,JEHANABAD ROAD,EKANGARSARAI,NALANDA,BIHAR-801301. If you are travelling from outside Ekangarsarai, 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 UJVN0003601 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UJVN0003601 for Ujjivan Small Finance Bank Limited – EKANGARSARAI, 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.

Working hours

Branch counters at Ekangarsarai 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 UJVN0003601 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UJVN0003601 belongs to Ujjivan Small Finance Bank Limited's EKANGARSARAI branch, located at NEAR IOCL PETROL PUMP,JEHANABAD ROAD,EKANGARSARAI,NALANDA,BIHAR-801301 in EKANGARSARAI, BIHAR. 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.