Below are the complete branch details for Ujjivan Small Finance Bank Limited, ERNAKULAM - NORTH branch, located in ERNAKULAM, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is UJVN0001193. 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 UJVN0001193 for Ujjivan Small Finance Bank Limited – ERNAKULAM - NORTH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Ujjivan Small Finance Bank Limited – ERNAKULAM - NORTH is UJVN0001193. The first four letters UJVN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001193 map to this branch in ERNAKULAM, KERALA.
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 Ernakulam - North branch in Ernakulam, Kerala is part of this network and uses the IFSC code UJVN0001193 for all electronic settlement.
Branch details at a glance
| Bank Name | Ujjivan Small Finance Bank Limited |
|---|---|
| Branch | Ernakulam - North |
| IFSC Code | UJVN0001193 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO. 67-2926-1, GROUND FLOOR, VITHAYATHIL BUILDING, OLD RAILWAY STATION ROAD,ERNAKULAM,KERALA-682018 |
| City | Ernakulam |
| District | Ernakulam |
| State | Kerala |
| STD Code | 80 |
| Phone | 40712166 |
About this branch
The branch is located at NO. 67-2926-1, GROUND FLOOR, VITHAYATHIL BUILDING, OLD RAILWAY STATION ROAD,ERNAKULAM,KERALA-682018. It serves the Ernakulam 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 UJVN0001193 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 ERNAKULAM - NORTH branch came to be assigned the code UJVN0001193.
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 UJVN0001193, money simply cannot be routed to the ERNAKULAM - NORTH branch electronically.
Account types you can open at the Ernakulam - North branch
Once you have an account at Ujjivan Small Finance Bank Limited – ERNAKULAM - NORTH, the IFSC UJVN0001193 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Products and services
Customers walking into the Ernakulam - North 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 UJVN0001193
How to transfer money using IFSC UJVN0001193
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 UJVN0001193 across all three.
NEFT to Ujjivan Small Finance Bank Limited, ERNAKULAM - NORTH using IFSC UJVN0001193
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 UJVN0001193, and confirm that the system picks up Ujjivan Small Finance Bank Limited – ERNAKULAM - NORTH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UJVN0001193
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 – ERNAKULAM - NORTH, ensure your bank's portal accepts IFSC UJVN0001193 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 – ERNAKULAM - NORTH, use IMPS. With IFSC UJVN0001193 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UJVN0001193 for Ujjivan Small Finance Bank Limited – ERNAKULAM - NORTH, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – UJVN0001193 | Yes – UJVN0001193 | Yes – UJVN0001193 |
For most retail customers crediting the Ernakulam - North 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 UJVN0001193
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 – ERNAKULAM - NORTH is still mapped to IFSC UJVN0001193. 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 UJVN0001193 and the beneficiary's account number to complete the transfer.
Online banking and IFSC UJVN0001193
Ujjivan Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the ERNAKULAM - NORTH 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 UJVN0001193 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 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 UJVN0001193 and the account number together uniquely identify the Ernakulam - North branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC UJVN0001193
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 – ERNAKULAM - NORTH, 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:
UJVN0001193. - 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 Ernakulam - North branch sits at NO. 67-2926-1, GROUND FLOOR, VITHAYATHIL BUILDING, OLD RAILWAY STATION ROAD,ERNAKULAM,KERALA-682018. If you are travelling from outside Ernakulam, 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 UJVN0001193 and your account number.
Verifying IFSC UJVN0001193 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 UJVN0001193 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 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 Ernakulam - North branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UJVN0001193, however, work 24x7.
Branch address & contact
Ujjivan Small Finance Bank LimitedErnakulam - North Branch
NO. 67-2926-1, GROUND FLOOR, VITHAYATHIL BUILDING, OLD RAILWAY STATION ROAD,ERNAKULAM,KERALA-682018
Ernakulam, Kerala
Phone: 80-40712166
IFSC: UJVN0001193
Frequently asked questions
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 Ernakulam - North branch but serve different purposes.
Is IFSC UJVN0001193 valid for NEFT and RTGS?
Yes. IFSC UJVN0001193 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Ujjivan Small Finance Bank Limited Ernakulam - North as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UJVN0001193, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Ujjivan Small Finance Bank Limited Ernakulam - North branch?
You can reach the branch at 80-40712166 during regular banking hours.
Can I use IFSC UJVN0001193 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UJVN0001193 to send funds instantly.
Where is Ujjivan Small Finance Bank Limited Ernakulam - North branch located?
Ujjivan Small Finance Bank Limited's Ernakulam - North branch is located at NO. 67-2926-1, GROUND FLOOR, VITHAYATHIL BUILDING, OLD RAILWAY STATION ROAD,ERNAKULAM,KERALA-682018, Ernakulam, Kerala.
Summary
The IFSC code UJVN0001193 belongs to Ujjivan Small Finance Bank Limited's ERNAKULAM - NORTH branch, located at NO. 67-2926-1, GROUND FLOOR, VITHAYATHIL BUILDING, OLD RAILWAY STATION… in ERNAKULAM, 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.
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