Use this page as a one-stop reference for everything related to Ujjivan Small Finance Bank Limited's BAIHATA CHARIALI branch in KAMRUP, ASSAM. The branch's IFSC code UJVN0003562 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.
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, UJVN0003562 is the IFSC of Ujjivan Small Finance Bank Limited's BAIHATA CHARIALI branch. The format is fixed: UJVN = bank code, 0 = reserved, 003562 = branch identifier.
Branch details at a glance
| Bank Name | Ujjivan Small Finance Bank Limited |
|---|---|
| Branch | Baihata Chariali |
| IFSC Code | UJVN0003562 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHANTI MARKET, OPP. DURGA MANDIR,ATHDOLA, MANGALDOI ROAD,BAIHATA CHARIALI,KAMRUP,ASSAM-781381 |
| City | Kamrup |
| District | Kamrup |
| State | Assam |
| STD Code | 80 |
| Phone | 40712166 |
Bank profile
Ujjivan Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Baihata Chariali branch — IFSC UJVN0003562 — extends the bank's services to customers in and around Kamrup, Assam.
About this branch
The branch is located at SHANTI MARKET, OPP. DURGA MANDIR,ATHDOLA, MANGALDOI ROAD,BAIHATA CHARIALI,KAMRUP,ASSAM-781381. It serves the Kamrup 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 UJVN0003562 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 BAIHATA CHARIALI branch came to be assigned the code UJVN0003562.
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 UJVN0003562, money simply cannot be routed to the BAIHATA CHARIALI branch electronically.
How to transfer money using IFSC UJVN0003562
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 UJVN0003562 across all three.
NEFT to Ujjivan Small Finance Bank Limited, BAIHATA CHARIALI using IFSC UJVN0003562
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 UJVN0003562, and confirm that the system picks up Ujjivan Small Finance Bank Limited – BAIHATA CHARIALI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UJVN0003562
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 – BAIHATA CHARIALI, ensure your bank's portal accepts IFSC UJVN0003562 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Ujjivan Small Finance Bank Limited BAIHATA CHARIALI (IFSC UJVN0003562)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UJVN0003562 in your mobile or internet banking app, and the money is credited to the BAIHATA CHARIALI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UJVN0003562 for Ujjivan Small Finance Bank Limited – BAIHATA CHARIALI, 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 – UJVN0003562 | Yes – UJVN0003562 | Yes – UJVN0003562 |
For most retail customers crediting the Baihata Chariali 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 UJVN0003562
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 – BAIHATA CHARIALI is still mapped to IFSC UJVN0003562. 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 UJVN0003562 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Baihata Chariali branch is mapped to IFSC UJVN0003562 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 UJVN0003562.
Banking services available
The Baihata Chariali 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 UJVN0003562
MICR & cheque-truncation details
Cheques drawn on the Baihata Chariali branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UJVN0003562 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC UJVN0003562
Ujjivan Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BAIHATA CHARIALI 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 UJVN0003562 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.
Common mistakes to avoid when using IFSC UJVN0003562
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 – BAIHATA CHARIALI, 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:
UJVN0003562. - 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 Baihata Chariali branch sits at SHANTI MARKET, OPP. DURGA MANDIR,ATHDOLA, MANGALDOI ROAD,BAIHATA CHARIALI,KAMRUP,ASSAM-781381. If you are travelling from outside Kamrup, 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 UJVN0003562 and your account number.
Verifying IFSC UJVN0003562 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 UJVN0003562 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 Baihata Chariali 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 UJVN0003562 continue to work without interruption.
Branch address & contact
Ujjivan Small Finance Bank LimitedBaihata Chariali Branch
SHANTI MARKET, OPP. DURGA MANDIR,ATHDOLA, MANGALDOI ROAD,BAIHATA CHARIALI,KAMRUP,ASSAM-781381
Kamrup, Assam
Phone: 80-40712166
IFSC: UJVN0003562
Frequently asked questions
Does Ujjivan Small Finance Bank Limited Baihata Chariali branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 80-40712166 to confirm.
What is the phone number of Ujjivan Small Finance Bank Limited Baihata Chariali branch?
You can reach the branch at 80-40712166 during regular banking hours.
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 Baihata Chariali branch but serve different purposes.
What is the IFSC code of Ujjivan Small Finance Bank Limited Baihata Chariali branch?
The IFSC code of Ujjivan Small Finance Bank Limited, Baihata Chariali branch is UJVN0003562. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UJVN0003562 the same for all accounts at Baihata Chariali branch?
Yes. The IFSC UJVN0003562 is shared by every account held at Ujjivan Small Finance Bank Limited's Baihata Chariali branch. Only the account number changes from customer to customer.
Is IFSC UJVN0003562 valid for NEFT and RTGS?
Yes. IFSC UJVN0003562 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Ujjivan Small Finance Bank Limited Baihata Chariali as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UJVN0003562, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC UJVN0003562 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UJVN0003562 to send funds instantly.
Final notes
To recap: UJVN0003562 is the IFSC code of Ujjivan Small Finance Bank Limited, BAIHATA CHARIALI branch, in KAMRUP, ASSAM. 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.
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