Use this page as a one-stop reference for everything related to Ujjivan Small Finance Bank Limited's KALMANE branch in KALMANE, KARNATAKA. The branch's IFSC code UJVN0001695 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 KALMANE branch, the IFSC UJVN0001695 breaks down as follows: UJVN identifies the bank, 0 is the reserved character, and 001695 identifies this particular branch.
Bank profile
Ujjivan Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Kalmane branch — IFSC UJVN0001695 — extends the bank's services to customers in and around Kalmane, Karnataka.
Branch details at a glance
| Bank Name | Ujjivan Small Finance Bank Limited |
|---|---|
| Branch | Kalmane |
| IFSC Code | UJVN0001695 |
| MICR Code | Refer to cheque leaf |
| Branch Address | D.R.NO.234-142,S.NO.67 CHIPLI LINGADAHALLI,KALMANE GRAM PANCHAYTH, SAGARA,SHIVAMOGGA,KARNATAKA-577417 |
| City | Kalmane |
| District | Shivamogga |
| State | Karnataka |
| STD Code | 80 |
| Phone | 40712166 |
About this branch
The branch is located at D.R.NO.234-142,S.NO.67 CHIPLI LINGADAHALLI,KALMANE GRAM PANCHAYTH, SAGARA,SHIVAMOGGA,KARNATAKA-577417. It serves the Kalmane 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 UJVN0001695 is used to identify this branch on the RBI payments network.
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 KALMANE of Ujjivan Small Finance Bank Limited — its own 11-character IFSC. The code UJVN0001695 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 UJVN0001695 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 Kalmane branch is mapped to IFSC UJVN0001695 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 UJVN0001695.
Products and services
Customers walking into the Kalmane 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 UJVN0001695
How to transfer money using IFSC UJVN0001695
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 UJVN0001695 across all three.
NEFT to Ujjivan Small Finance Bank Limited, KALMANE using IFSC UJVN0001695
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 UJVN0001695, and confirm that the system picks up Ujjivan Small Finance Bank Limited – KALMANE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UJVN0001695
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 – KALMANE, ensure your bank's portal accepts IFSC UJVN0001695 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Ujjivan Small Finance Bank Limited KALMANE (IFSC UJVN0001695)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UJVN0001695 in your mobile or internet banking app, and the money is credited to the KALMANE branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UJVN0001695 for Ujjivan Small Finance Bank Limited – KALMANE, 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 – UJVN0001695 | Yes – UJVN0001695 | Yes – UJVN0001695 |
For most retail customers crediting the Kalmane 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.
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 KALMANE branch, the IFSC UJVN0001695 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.
Digital banking channels
Most day-to-day work that customers used to do at the Kalmane 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 UJVN0001695 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.
MICR & cheque-truncation details
Cheques drawn on the Kalmane branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UJVN0001695 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 – KALMANE:
- The IFSC is exactly UJVN0001695 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 KALMANE 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 Kalmane branch
The branch is located at D.R.NO.234-142,S.NO.67 CHIPLI LINGADAHALLI,KALMANE GRAM PANCHAYTH, SAGARA,SHIVAMOGGA,KARNATAKA-577417, which puts it inside Kalmane, the broader Shivamogga district, and the state of Karnataka. To plan your visit:
- Open Google Maps on your phone and search for “Ujjivan Small Finance Bank Limited Kalmane branch” — the verified location pin for IFSC UJVN0001695 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 UJVN0001695 and your account number.
Verifying IFSC UJVN0001695 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 UJVN0001695 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 Kalmane 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 UJVN0001695 continue to work without interruption.
Branch address & contact
Ujjivan Small Finance Bank LimitedKalmane Branch
D.R.NO.234-142,S.NO.67 CHIPLI LINGADAHALLI,KALMANE GRAM PANCHAYTH, SAGARA,SHIVAMOGGA,KARNATAKA-577417
Kalmane, Karnataka
Phone: 80-40712166
IFSC: UJVN0001695
Frequently asked questions
What is the phone number of Ujjivan Small Finance Bank Limited Kalmane branch?
You can reach the branch at 80-40712166 during regular banking hours.
Where is Ujjivan Small Finance Bank Limited Kalmane branch located?
Ujjivan Small Finance Bank Limited's Kalmane branch is located at D.R.NO.234-142,S.NO.67 CHIPLI LINGADAHALLI,KALMANE GRAM PANCHAYTH, SAGARA,SHIVAMOGGA,KARNATAKA-577417, Kalmane, Karnataka.
How quickly will an NEFT transfer using UJVN0001695 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Ujjivan Small Finance Bank Limited – Kalmane reflect within 30 minutes.
How do I add Ujjivan Small Finance Bank Limited Kalmane as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UJVN0001695, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Ujjivan Small Finance Bank Limited Kalmane branch?
The IFSC code of Ujjivan Small Finance Bank Limited, Kalmane branch is UJVN0001695. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC UJVN0001695 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UJVN0001695 to send funds instantly.
Is IFSC UJVN0001695 the same for all accounts at Kalmane branch?
Yes. The IFSC UJVN0001695 is shared by every account held at Ujjivan Small Finance Bank Limited's Kalmane 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 Kalmane branch but serve different purposes.
Summary
The IFSC code UJVN0001695 belongs to Ujjivan Small Finance Bank Limited's KALMANE branch, located at D.R.NO.234-142,S.NO.67 CHIPLI LINGADAHALLI,KALMANE GRAM PANCHAYTH,… in KALMANE, KARNATAKA. 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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