IFSC Code of Ujjivan Small Finance Bank Limited, Muktsar Branch, Punjab

Below are the complete branch details for Ujjivan Small Finance Bank Limited, MUKTSAR branch, located in MUKTSAR, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is UJVN0002330. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UJVN0002330 for Ujjivan Small Finance Bank Limited – MUKTSAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, UJVN0002330 is the IFSC of Ujjivan Small Finance Bank Limited's MUKTSAR branch. The format is fixed: UJVN = bank code, 0 = reserved, 002330 = 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 Muktsar branch in Muktsar, Punjab is part of this network and uses the IFSC code UJVN0002330 for all electronic settlement.

Muktsar branch overview

Located at UJJIVAN SMALL FINANCE BANK,48 SCFNEW GRAIN MARKET,NEAR ICICI BANK SHRI MUKTSAR SAHIB 152026 MUKTSAR PUNJAB, the Muktsar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UJVN0002330 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 MUKTSAR branch came to be assigned the code UJVN0002330.

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 UJVN0002330, money simply cannot be routed to the MUKTSAR branch electronically.

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 UJVN0002330 and the account number together uniquely identify the Muktsar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC UJVN0002330

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 UJVN0002330 across all three.

NEFT to Ujjivan Small Finance Bank Limited, MUKTSAR using IFSC UJVN0002330

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 UJVN0002330, and confirm that the system picks up Ujjivan Small Finance Bank Limited – MUKTSAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UJVN0002330

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 – MUKTSAR, ensure your bank's portal accepts IFSC UJVN0002330 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Ujjivan Small Finance Bank Limited MUKTSAR (IFSC UJVN0002330)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UJVN0002330 in your mobile or internet banking app, and the money is credited to the MUKTSAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Muktsar

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 UJVN0002330:

• 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 MUKTSAR is still linked to IFSC UJVN0002330.

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 MUKTSAR branch, the IFSC UJVN0002330 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.

Account types you can open at the Muktsar branch

Once you have an account at Ujjivan Small Finance Bank Limited – MUKTSAR, the IFSC UJVN0002330 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.

Products and services

Customers walking into the Muktsar 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 UJVN0002330

Online banking and IFSC UJVN0002330

Ujjivan Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the MUKTSAR 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 UJVN0002330 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.

How to reach the Muktsar branch

The branch is located at UJJIVAN SMALL FINANCE BANK,48 SCFNEW GRAIN MARKET,NEAR ICICI BANK SHRI MUKTSAR SAHIB 152026 MUKTSAR PUNJAB, which puts it inside Muktsar, the broader Muktsar district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Ujjivan Small Finance Bank Limited Muktsar branch” — the verified location pin for IFSC UJVN0002330 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 UJVN0002330 and your account number.

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 – MUKTSAR:

• The IFSC is exactly UJVN0002330 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 MUKTSAR 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.

Working hours

Branch counters at Muktsar 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 UJVN0002330 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UJVN0002330 for Ujjivan Small Finance Bank Limited – MUKTSAR, 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 address & contact

Frequently asked questions

Summary

The IFSC code UJVN0002330 belongs to Ujjivan Small Finance Bank Limited's MUKTSAR branch, located at UJJIVAN SMALL FINANCE BANK,48 SCFNEW GRAIN MARKET,NEAR ICICI BANK SHRI MUKTSAR… in MUKTSAR, PUNJAB. 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.