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

This page lists the IFSC code, branch address, contact number and fund-transfer information for Ujjivan Small Finance Bank Limited, GARHWA branch in GARHWA. The 11-digit IFSC UJVN0003666 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Ujjivan Small Finance Bank Limited at the GARHWA location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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, UJVN0003666 is the IFSC of Ujjivan Small Finance Bank Limited's GARHWA branch. The format is fixed: UJVN = bank code, 0 = reserved, 003666 = branch identifier.

Bank profile

Ujjivan Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Garhwa branch — IFSC UJVN0003666 — extends the bank's services to customers in and around Garhwa, Jharkhand.

About the Garhwa branch

The Garhwa branch of Ujjivan Small Finance Bank Limited is situated at 1ST FLOOR,ABOVE RAYMOND SHOP CHINIYA ROAD PS GARHWA JHARKHAND. 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 UJVN0003666 is used.

Branch details at a glance

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 GARHWA of Ujjivan Small Finance Bank Limited — its own 11-character IFSC. The code UJVN0003666 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 UJVN0003666 the same way you would treat your account number — verify it once and save it carefully for future use.

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 UJVN0003666 and the account number together uniquely identify the Garhwa branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC UJVN0003666

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 UJVN0003666 across all three.

How to use IFSC UJVN0003666 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 GARHWA 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 UJVN0003666.
4. Confirm the bank name auto-populates as Ujjivan Small Finance Bank Limited and the branch as GARHWA.
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 GARHWA

If you need to transfer ₹2 lakh or more in one go to an account at Ujjivan Small Finance Bank Limited's GARHWA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UJVN0003666 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Ujjivan Small Finance Bank Limited – GARHWA, use IMPS. With IFSC UJVN0003666 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 Garhwa

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 UJVN0003666:

• 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 GARHWA is still linked to IFSC UJVN0003666.

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 GARHWA branch, the IFSC UJVN0003666 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.

Account types you can open at the Garhwa branch

Once you have an account at Ujjivan Small Finance Bank Limited – GARHWA, the IFSC UJVN0003666 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 Garhwa 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 UJVN0003666

Digital banking channels

Most day-to-day work that customers used to do at the Garhwa branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC UJVN0003666 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

How to reach the Garhwa branch

The branch is located at 1ST FLOOR,ABOVE RAYMOND SHOP CHINIYA ROAD PS GARHWA JHARKHAND, which puts it inside Garhwa, the broader Garhwa 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 Garhwa branch” — the verified location pin for IFSC UJVN0003666 should appear at the top of the results.
2. Confirm the branch is open by calling 8040712166 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 UJVN0003666 and your account number.

Common mistakes to avoid when using IFSC UJVN0003666

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 – GARHWA, 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: UJVN0003666.
• 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.

Working hours

Branch counters at Garhwa 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 UJVN0003666 continue to work without interruption.

Verifying IFSC UJVN0003666 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 UJVN0003666 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8040712166.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: UJVN0003666 is the IFSC code of Ujjivan Small Finance Bank Limited, GARHWA branch, in GARHWA, JHARKHAND. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.