IFSC Code of Ujjivan Small Finance Bank Limited, Kamalgazi Branch, West Bengal

Use this page as a one-stop reference for everything related to Ujjivan Small Finance Bank Limited's KAMALGAZI branch in KOLKATA, WEST BENGAL. The branch's IFSC code UJVN0003306 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, UJVN0003306 is the IFSC of Ujjivan Small Finance Bank Limited's KAMALGAZI branch. The format is fixed: UJVN = bank code, 0 = reserved, 003306 = branch identifier.

About Ujjivan Small Finance Bank Limited

Ujjivan Small Finance Bank Limited operates a wide network of branches across India, including the Kamalgazi branch in Kolkata. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UJVN0003306.

Branch details at a glance

About this branch

The branch is located at VINAYAK PRIDE,GROUND FLOOR,470 DAKSHIN KUMARKHALI ROAD,KAMALGAZI SONARPUR ROAD, KAMALGAZI,SOUTH 24 PARGANAS,WEST BENGAL-700103. It serves the Kolkata 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 UJVN0003306 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 KAMALGAZI of Ujjivan Small Finance Bank Limited — its own 11-character IFSC. The code UJVN0003306 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 UJVN0003306 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 Kamalgazi branch is mapped to IFSC UJVN0003306 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 UJVN0003306.

Banking services available

The Kamalgazi 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 UJVN0003306

How to transfer money using IFSC UJVN0003306

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 UJVN0003306 across all three.

NEFT to Ujjivan Small Finance Bank Limited, KAMALGAZI using IFSC UJVN0003306

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 UJVN0003306, and confirm that the system picks up Ujjivan Small Finance Bank Limited – KAMALGAZI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KAMALGAZI

If you need to transfer ₹2 lakh or more in one go to an account at Ujjivan Small Finance Bank Limited's KAMALGAZI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UJVN0003306 while initiating the transfer and the credit will appear within minutes.

IMPS to Ujjivan Small Finance Bank Limited KAMALGAZI (IFSC UJVN0003306)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UJVN0003306 in your mobile or internet banking app, and the money is credited to the KAMALGAZI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kamalgazi

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 UJVN0003306:

• 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 KAMALGAZI is still linked to IFSC UJVN0003306.

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 KAMALGAZI branch, the IFSC UJVN0003306 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 Kamalgazi 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 UJVN0003306 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 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 UJVN0003306 and the account number together uniquely identify the Kamalgazi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – KAMALGAZI:

• The IFSC is exactly UJVN0003306 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 KAMALGAZI 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 Kamalgazi branch

The branch is located at VINAYAK PRIDE,GROUND FLOOR,470 DAKSHIN KUMARKHALI ROAD,KAMALGAZI SONARPUR ROAD, KAMALGAZI,SOUTH 24 PARGANAS,WEST BENGAL-700103, which puts it inside Kolkata, the broader South Twenty Four Parganas district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Ujjivan Small Finance Bank Limited Kamalgazi branch” — the verified location pin for IFSC UJVN0003306 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 UJVN0003306 and your account number.

Verifying IFSC UJVN0003306 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 UJVN0003306 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 Kamalgazi 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 UJVN0003306 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UJVN0003306 is the IFSC code of Ujjivan Small Finance Bank Limited, KAMALGAZI branch, in KOLKATA, WEST BENGAL. 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.