IFSC Code of Ujjivan Small Finance Bank Limited, Bhiligram Branch, Odisha

This page lists the IFSC code, branch address, contact number and fund-transfer information for Ujjivan Small Finance Bank Limited, BHILIGRAM branch in PURI. The 11-digit IFSC UJVN0003586 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 BHILIGRAM 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, UJVN0003586 is the IFSC of Ujjivan Small Finance Bank Limited's BHILIGRAM branch. The format is fixed: UJVN = bank code, 0 = reserved, 003586 = 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 Bhiligram branch in Puri, Odisha is part of this network and uses the IFSC code UJVN0003586 for all electronic settlement.

About this branch

The branch is located at GROUND FLOOR, GOLEI CHHAKA,GP-VILIGRAM, BISHNUPUR,,,PURI,ODISHA-752106. It serves the Puri 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 UJVN0003586 is used to identify this branch on the RBI payments network.

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 BHILIGRAM branch came to be assigned the code UJVN0003586.

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 UJVN0003586, money simply cannot be routed to the BHILIGRAM 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 UJVN0003586 and the account number together uniquely identify the Bhiligram branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC UJVN0003586

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 UJVN0003586 across all three.

How to use IFSC UJVN0003586 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 BHILIGRAM 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 UJVN0003586.
4. Confirm the bank name auto-populates as Ujjivan Small Finance Bank Limited and the branch as BHILIGRAM.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UJVN0003586

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 – BHILIGRAM, ensure your bank's portal accepts IFSC UJVN0003586 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Ujjivan Small Finance Bank Limited BHILIGRAM (IFSC UJVN0003586)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UJVN0003586 in your mobile or internet banking app, and the money is credited to the BHILIGRAM branch account within seconds.

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

All three modes accept the IFSC UJVN0003586 for Ujjivan Small Finance Bank Limited – BHILIGRAM, 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 Bhiligram 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 BHILIGRAM branch, the IFSC UJVN0003586 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 Bhiligram branch

Once you have an account at Ujjivan Small Finance Bank Limited – BHILIGRAM, the IFSC UJVN0003586 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 Bhiligram 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 UJVN0003586

Digital banking channels

Most day-to-day work that customers used to do at the Bhiligram 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 UJVN0003586 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.

How to reach the Bhiligram branch

The branch is located at GROUND FLOOR, GOLEI CHHAKA,GP-VILIGRAM, BISHNUPUR,,,PURI,ODISHA-752106, which puts it inside Puri, the broader Puri district, and the state of Odisha. To plan your visit:

1. Open Google Maps on your phone and search for “Ujjivan Small Finance Bank Limited Bhiligram branch” — the verified location pin for IFSC UJVN0003586 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 UJVN0003586 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 – BHILIGRAM:

• The IFSC is exactly UJVN0003586 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 BHILIGRAM 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 Bhiligram 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 UJVN0003586 continue to work without interruption.

Verifying IFSC UJVN0003586 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 UJVN0003586 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.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UJVN0003586 belongs to Ujjivan Small Finance Bank Limited's BHILIGRAM branch, located at GROUND FLOOR, GOLEI CHHAKA,GP-VILIGRAM, BISHNUPUR,,,PURI,ODISHA-752106 in PURI, ODISHA. 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.