IFSC Code of Ujjivan Small Finance Bank Limited, Kozhikode City Branch, Kerala

Use this page as a one-stop reference for everything related to Ujjivan Small Finance Bank Limited's KOZHIKODE CITY branch in KOZHIKODE, KERALA. The branch's IFSC code UJVN0001704 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 KOZHIKODE CITY branch, the IFSC UJVN0001704 breaks down as follows: UJVN identifies the bank, 0 is the reserved character, and 001704 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 Kozhikode City branch — IFSC UJVN0001704 — extends the bank's services to customers in and around Kozhikode, Kerala.

Branch details at a glance

About this branch

The branch is located at UNIT NO. 27-383 D3 TO D9,SOUBHAGYA SHOPPING COMPLEX, P.O. PUTHIYARA,NEAR ARAYADATHUPALAM, MAVOOR ROAD,KOZHIKODE,KERALA-673017. It serves the Kozhikode 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 UJVN0001704 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 KOZHIKODE CITY branch came to be assigned the code UJVN0001704.

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 UJVN0001704, money simply cannot be routed to the KOZHIKODE CITY branch electronically.

Products and account variants supported

Every account opened at the Kozhikode City branch is mapped to IFSC UJVN0001704 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 UJVN0001704.

Banking services available

The Kozhikode City 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 UJVN0001704

How to transfer money using IFSC UJVN0001704

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 UJVN0001704 across all three.

NEFT to Ujjivan Small Finance Bank Limited, KOZHIKODE CITY using IFSC UJVN0001704

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 UJVN0001704, and confirm that the system picks up Ujjivan Small Finance Bank Limited – KOZHIKODE CITY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KOZHIKODE CITY

If you need to transfer ₹2 lakh or more in one go to an account at Ujjivan Small Finance Bank Limited's KOZHIKODE CITY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UJVN0001704 while initiating the transfer and the credit will appear within minutes.

IMPS to Ujjivan Small Finance Bank Limited KOZHIKODE CITY (IFSC UJVN0001704)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UJVN0001704 in your mobile or internet banking app, and the money is credited to the KOZHIKODE CITY branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kozhikode City

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 UJVN0001704:

• 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 KOZHIKODE CITY is still linked to IFSC UJVN0001704.

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 KOZHIKODE CITY branch, the IFSC UJVN0001704 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 Kozhikode City 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 UJVN0001704 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 Kozhikode City branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UJVN0001704 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 – KOZHIKODE CITY:

• The IFSC is exactly UJVN0001704 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 KOZHIKODE CITY 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 Kozhikode City branch

The branch is located at UNIT NO. 27-383 D3 TO D9,SOUBHAGYA SHOPPING COMPLEX, P.O. PUTHIYARA,NEAR ARAYADATHUPALAM, MAVOOR ROAD,KOZHIKODE,KERALA-673017, which puts it inside Kozhikode, the broader Kozhikode 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 Kozhikode City branch” — the verified location pin for IFSC UJVN0001704 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 UJVN0001704 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UJVN0001704 for Ujjivan Small Finance Bank Limited – KOZHIKODE CITY, 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 Kozhikode City 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 UJVN0001704 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UJVN0001704 is the IFSC code of Ujjivan Small Finance Bank Limited, KOZHIKODE CITY branch, in KOZHIKODE, 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.