IFSC Code of Ujjivan Small Finance Bank Limited, Karunagappally Branch, Kerala

Use this page as a one-stop reference for everything related to Ujjivan Small Finance Bank Limited's KARUNAGAPPALLY branch in KARUNAGAPPALLY, KERALA. The branch's IFSC code UJVN0001636 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, UJVN0001636 is the IFSC of Ujjivan Small Finance Bank Limited's KARUNAGAPPALLY branch. The format is fixed: UJVN = bank code, 0 = reserved, 001636 = 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 Karunagappally branch — IFSC UJVN0001636 — extends the bank's services to customers in and around Karunagappally, Kerala.

Branch details at a glance

Karunagappally branch overview

Located at BEST ARCADE, LALAJI JUNCTION,SY. NO.605-10-2, NEAR UNION BANK OF INDIA, AYANIVELIKULANGARA, KARUNAGAPALLY,KOLLAM,KERALA-690518, the Karunagappally branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UJVN0001636 is required for all interbank electronic transfers routed through this branch.

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 KARUNAGAPPALLY of Ujjivan Small Finance Bank Limited — its own 11-character IFSC. The code UJVN0001636 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 UJVN0001636 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 Karunagappally branch is mapped to IFSC UJVN0001636 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 UJVN0001636.

Products and services

Customers walking into the Karunagappally 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 UJVN0001636

How to transfer money using IFSC UJVN0001636

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 UJVN0001636 across all three.

How to use IFSC UJVN0001636 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 KARUNAGAPPALLY 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 UJVN0001636.
4. Confirm the bank name auto-populates as Ujjivan Small Finance Bank Limited and the branch as KARUNAGAPPALLY.
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 KARUNAGAPPALLY

If you need to transfer ₹2 lakh or more in one go to an account at Ujjivan Small Finance Bank Limited's KARUNAGAPPALLY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UJVN0001636 while initiating the transfer and the credit will appear within minutes.

IMPS to Ujjivan Small Finance Bank Limited KARUNAGAPPALLY (IFSC UJVN0001636)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UJVN0001636 in your mobile or internet banking app, and the money is credited to the KARUNAGAPPALLY branch account within seconds.

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

All three modes accept the IFSC UJVN0001636 for Ujjivan Small Finance Bank Limited – KARUNAGAPPALLY, 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 Karunagappally 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 UJVN0001636

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 – KARUNAGAPPALLY is still mapped to IFSC UJVN0001636. 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 UJVN0001636 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UJVN0001636

Ujjivan Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KARUNAGAPPALLY 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 UJVN0001636 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 UJVN0001636 and the account number together uniquely identify the Karunagappally 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 UJVN0001636

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 – KARUNAGAPPALLY, 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: UJVN0001636.
• 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.

How to reach the Karunagappally branch

The branch is located at BEST ARCADE, LALAJI JUNCTION,SY. NO.605-10-2, NEAR UNION BANK OF INDIA, AYANIVELIKULANGARA, KARUNAGAPALLY,KOLLAM,KERALA-690518, which puts it inside Karunagappally, the broader Kollam district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “Ujjivan Small Finance Bank Limited Karunagappally branch” — the verified location pin for IFSC UJVN0001636 should appear at the top of the results.
2. Confirm the branch is open by calling 80-40712166 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 UJVN0001636 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UJVN0001636 for Ujjivan Small Finance Bank Limited – KARUNAGAPPALLY, 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 Karunagappally 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 UJVN0001636 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UJVN0001636 is the IFSC code of Ujjivan Small Finance Bank Limited, KARUNAGAPPALLY branch, in KARUNAGAPPALLY, KERALA. 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.