IFSC Code of Ujjivan Small Finance Bank Limited, Raniganj Branch, Bihar

Use this page as a one-stop reference for everything related to Ujjivan Small Finance Bank Limited's RANIGANJ branch in RANIGANJ, BIHAR. The branch's IFSC code UJVN0003650 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Ujjivan Small Finance Bank Limited – RANIGANJ is UJVN0003650. The first four letters UJVN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003650 map to this branch in RANIGANJ, BIHAR.

Bank profile

Ujjivan Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Raniganj branch — IFSC UJVN0003650 — extends the bank's services to customers in and around Raniganj, Bihar.

Raniganj branch overview

Located at UPPER GROUND FLOOR BHARGAMA MORE NEAR INDIAN BANK,RANIGANJ PO - MARYGANJ,BIHAR, the Raniganj branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UJVN0003650 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 RANIGANJ of Ujjivan Small Finance Bank Limited — its own 11-character IFSC. The code UJVN0003650 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 UJVN0003650 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Raniganj branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UJVN0003650 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC UJVN0003650

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 UJVN0003650 across all three.

How to use IFSC UJVN0003650 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 RANIGANJ 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 UJVN0003650.
4. Confirm the bank name auto-populates as Ujjivan Small Finance Bank Limited and the branch as RANIGANJ.
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 UJVN0003650

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 – RANIGANJ, ensure your bank's portal accepts IFSC UJVN0003650 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Ujjivan Small Finance Bank Limited RANIGANJ (IFSC UJVN0003650)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UJVN0003650 in your mobile or internet banking app, and the money is credited to the RANIGANJ branch account within seconds.

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

All three modes accept the IFSC UJVN0003650 for Ujjivan Small Finance Bank Limited – RANIGANJ, 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 Raniganj 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 RANIGANJ branch, the IFSC UJVN0003650 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.

Products and account variants supported

Every account opened at the Raniganj branch is mapped to IFSC UJVN0003650 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 UJVN0003650.

Products and services

Customers walking into the Raniganj 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 UJVN0003650

Digital banking channels

Most day-to-day work that customers used to do at the Raniganj 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 UJVN0003650 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.

Reaching the branch

The Raniganj branch sits at UPPER GROUND FLOOR BHARGAMA MORE NEAR INDIAN BANK,RANIGANJ PO - MARYGANJ,BIHAR. If you are travelling from outside Raniganj, search for the branch on a maps application using the bank name and locality, or call 8040712166 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC UJVN0003650 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 – RANIGANJ:

• The IFSC is exactly UJVN0003650 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 RANIGANJ 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.

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 Raniganj branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UJVN0003650, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UJVN0003650 for Ujjivan Small Finance Bank Limited – RANIGANJ, 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

Final notes

To recap: UJVN0003650 is the IFSC code of Ujjivan Small Finance Bank Limited, RANIGANJ branch, in RANIGANJ, BIHAR. 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.