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

Use this page as a one-stop reference for everything related to Ujjivan Small Finance Bank Limited's SAHARSA branch in SAHARSA, BIHAR. The branch's IFSC code UJVN0003545 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 – SAHARSA is UJVN0003545. The first four letters UJVN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003545 map to this branch in SAHARSA, BIHAR.

About Ujjivan Small Finance Bank Limited

Ujjivan Small Finance Bank Limited operates a wide network of branches across India, including the Saharsa branch in Saharsa. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UJVN0003545.

Branch details at a glance

About this branch

The branch is located at PURAB BAZAR,OLD RICE MILL ROAD,OPP. HOTEL PARDESHI CARDO,SAHARSA,BIHAR-852201. It serves the Saharsa 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 UJVN0003545 is used to identify this branch on the RBI payments network.

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 SAHARSA of Ujjivan Small Finance Bank Limited — its own 11-character IFSC. The code UJVN0003545 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 UJVN0003545 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Saharsa branch

Once you have an account at Ujjivan Small Finance Bank Limited – SAHARSA, the IFSC UJVN0003545 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 Saharsa 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 UJVN0003545

How to transfer money using IFSC UJVN0003545

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 UJVN0003545 across all three.

How to use IFSC UJVN0003545 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 SAHARSA 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 UJVN0003545.
4. Confirm the bank name auto-populates as Ujjivan Small Finance Bank Limited and the branch as SAHARSA.
5. 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 SAHARSA

If you need to transfer ₹2 lakh or more in one go to an account at Ujjivan Small Finance Bank Limited's SAHARSA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UJVN0003545 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 – SAHARSA, use IMPS. With IFSC UJVN0003545 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 UJVN0003545 for Ujjivan Small Finance Bank Limited – SAHARSA, 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 Saharsa 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 SAHARSA branch, the IFSC UJVN0003545 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 UJVN0003545

Ujjivan Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SAHARSA 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 UJVN0003545 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 Saharsa branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UJVN0003545 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 – SAHARSA:

• The IFSC is exactly UJVN0003545 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 SAHARSA 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 Saharsa branch

The branch is located at PURAB BAZAR,OLD RICE MILL ROAD,OPP. HOTEL PARDESHI CARDO,SAHARSA,BIHAR-852201, which puts it inside Saharsa, the broader Saharsa district, and the state of Bihar. To plan your visit:

1. Open Google Maps on your phone and search for “Ujjivan Small Finance Bank Limited Saharsa branch” — the verified location pin for IFSC UJVN0003545 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 UJVN0003545 and your account number.

Verifying IFSC UJVN0003545 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 UJVN0003545 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 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 Saharsa branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UJVN0003545, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UJVN0003545 belongs to Ujjivan Small Finance Bank Limited's SAHARSA branch, located at PURAB BAZAR,OLD RICE MILL ROAD,OPP. HOTEL PARDESHI CARDO,SAHARSA,BIHAR-852201 in SAHARSA, BIHAR. 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.