This page lists the IFSC code, branch address, contact number and fund-transfer information for Ujjivan Small Finance Bank Limited, MELAGARGH branch in MELAGARGH. The 11-digit IFSC UJVN0003554 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Ujjivan Small Finance Bank Limited at the MELAGARGH location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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, UJVN0003554 is the IFSC of Ujjivan Small Finance Bank Limited's MELAGARGH branch. The format is fixed: UJVN = bank code, 0 = reserved, 003554 = branch identifier.
About the bank
Ujjivan Small Finance Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Melagargh branch in Melagargh, Tripura is part of this network and uses the IFSC code UJVN0003554 for all electronic settlement.
Branch details at a glance
| Bank Name | Ujjivan Small Finance Bank Limited |
|---|---|
| Branch | Melagargh |
| IFSC Code | UJVN0003554 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR-1ST FOOR, MELAGHAR, NEAR CHANDIGARH MUNICIPALITY ROAD, SIPAHIJALA,TRIPURA-799115 |
| City | Melagargh |
| District | Sipahijala |
| State | Tripura |
| STD Code | 80 |
| Phone | 40712166 |
About this branch
The branch is located at GROUND FLOOR-1ST FOOR, MELAGHAR, NEAR CHANDIGARH MUNICIPALITY ROAD, SIPAHIJALA,TRIPURA-799115. It serves the Melagargh 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 UJVN0003554 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 MELAGARGH branch came to be assigned the code UJVN0003554.
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 UJVN0003554, money simply cannot be routed to the MELAGARGH branch electronically.
Account types you can open at the Melagargh branch
Once you have an account at Ujjivan Small Finance Bank Limited – MELAGARGH, the IFSC UJVN0003554 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Melagargh 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 UJVN0003554
How to transfer money using IFSC UJVN0003554
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 UJVN0003554 across all three.
How to use IFSC UJVN0003554 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 MELAGARGH 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC UJVN0003554.
- Confirm the bank name auto-populates as Ujjivan Small Finance Bank Limited and the branch as MELAGARGH.
- 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 MELAGARGH
If you need to transfer ₹2 lakh or more in one go to an account at Ujjivan Small Finance Bank Limited's MELAGARGH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UJVN0003554 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Ujjivan Small Finance Bank Limited – MELAGARGH, use IMPS. With IFSC UJVN0003554 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UJVN0003554 for Ujjivan Small Finance Bank Limited – MELAGARGH, 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 – UJVN0003554 | Yes – UJVN0003554 | Yes – UJVN0003554 |
For most retail customers crediting the Melagargh 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 MELAGARGH branch, the IFSC UJVN0003554 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.
Online banking and IFSC UJVN0003554
Ujjivan Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the MELAGARGH 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 UJVN0003554 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 & cheque-truncation details
Cheques drawn on the Melagargh branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UJVN0003554 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 – MELAGARGH:
- The IFSC is exactly UJVN0003554 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 MELAGARGH 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 Melagargh branch
The branch is located at GROUND FLOOR-1ST FOOR, MELAGHAR, NEAR CHANDIGARH MUNICIPALITY ROAD, SIPAHIJALA,TRIPURA-799115, which puts it inside Melagargh, the broader Sipahijala district, and the state of Tripura. To plan your visit:
- Open Google Maps on your phone and search for “Ujjivan Small Finance Bank Limited Melagargh branch” — the verified location pin for IFSC UJVN0003554 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 UJVN0003554 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UJVN0003554 for Ujjivan Small Finance Bank Limited – MELAGARGH, 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.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Melagargh branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UJVN0003554, however, work 24x7.
Branch address & contact
Ujjivan Small Finance Bank LimitedMelagargh Branch
GROUND FLOOR-1ST FOOR, MELAGHAR, NEAR CHANDIGARH MUNICIPALITY ROAD, SIPAHIJALA,TRIPURA-799115
Melagargh, Tripura
Phone: 80-40712166
IFSC: UJVN0003554
Frequently asked questions
Can I use IFSC UJVN0003554 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UJVN0003554 to send funds instantly.
How do I add Ujjivan Small Finance Bank Limited Melagargh as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UJVN0003554, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Ujjivan Small Finance Bank Limited Melagargh branch?
The IFSC code of Ujjivan Small Finance Bank Limited, Melagargh branch is UJVN0003554. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using UJVN0003554 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Ujjivan Small Finance Bank Limited – Melagargh reflect within 30 minutes.
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 Melagargh branch but serve different purposes.
Is IFSC UJVN0003554 the same for all accounts at Melagargh branch?
Yes. The IFSC UJVN0003554 is shared by every account held at Ujjivan Small Finance Bank Limited's Melagargh branch. Only the account number changes from customer to customer.
Summary
The IFSC code UJVN0003554 belongs to Ujjivan Small Finance Bank Limited's MELAGARGH branch, located at GROUND FLOOR-1ST FOOR, MELAGHAR, NEAR CHANDIGARH MUNICIPALITY ROAD,… in MELAGARGH, TRIPURA. 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.
