IFSC Code of Ujjivan Small Finance Bank Limited, Chhutmalpur Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Ujjivan Small Finance Bank Limited's CHHUTMALPUR branch in SAHARANPUR, UTTAR PRADESH. The branch's IFSC code UJVN0002389 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.

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, UJVN0002389 is the IFSC of Ujjivan Small Finance Bank Limited's CHHUTMALPUR branch. The format is fixed: UJVN = bank code, 0 = reserved, 002389 = branch identifier.

Bank profile

Ujjivan Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Chhutmalpur branch — IFSC UJVN0002389 — extends the bank's services to customers in and around Saharanpur, Uttar Pradesh.

Chhutmalpur branch overview

Located at GROUND FLOOR,RAMCHANDRA BUILDING,ROORKEE ROAD MAUZA CHHUTMALPUR,OPPOSITE - PNB BANK,SAHARANPUR,UTTAR PRADESH-247662, the Chhutmalpur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UJVN0002389 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 CHHUTMALPUR of Ujjivan Small Finance Bank Limited — its own 11-character IFSC. The code UJVN0002389 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 UJVN0002389 the same way you would treat your account number — verify it once and save it carefully for future use.

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 UJVN0002389 and the account number together uniquely identify the Chhutmalpur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC UJVN0002389

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 UJVN0002389 across all three.

How to use IFSC UJVN0002389 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 CHHUTMALPUR 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 UJVN0002389.
4. Confirm the bank name auto-populates as Ujjivan Small Finance Bank Limited and the branch as CHHUTMALPUR.
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 UJVN0002389

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 – CHHUTMALPUR, ensure your bank's portal accepts IFSC UJVN0002389 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Ujjivan Small Finance Bank Limited CHHUTMALPUR (IFSC UJVN0002389)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UJVN0002389 in your mobile or internet banking app, and the money is credited to the CHHUTMALPUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Chhutmalpur

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 UJVN0002389:

• 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 CHHUTMALPUR is still linked to IFSC UJVN0002389.

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 CHHUTMALPUR branch, the IFSC UJVN0002389 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 Chhutmalpur branch is mapped to IFSC UJVN0002389 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 UJVN0002389.

Products and services

Customers walking into the Chhutmalpur 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 UJVN0002389

Online banking and IFSC UJVN0002389

Ujjivan Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the CHHUTMALPUR 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 UJVN0002389 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 Chhutmalpur branch

The branch is located at GROUND FLOOR,RAMCHANDRA BUILDING,ROORKEE ROAD MAUZA CHHUTMALPUR,OPPOSITE - PNB BANK,SAHARANPUR,UTTAR PRADESH-247662, which puts it inside Saharanpur, the broader Saharanpur district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Ujjivan Small Finance Bank Limited Chhutmalpur branch” — the verified location pin for IFSC UJVN0002389 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 UJVN0002389 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 – CHHUTMALPUR:

• The IFSC is exactly UJVN0002389 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 CHHUTMALPUR 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 Chhutmalpur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UJVN0002389, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UJVN0002389 for Ujjivan Small Finance Bank Limited – CHHUTMALPUR, 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 UJVN0002389 belongs to Ujjivan Small Finance Bank Limited's CHHUTMALPUR branch, located at GROUND FLOOR,RAMCHANDRA BUILDING,ROORKEE ROAD MAUZA CHHUTMALPUR,OPPOSITE - PNB… in SAHARANPUR, UTTAR PRADESH. 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.