Below are the complete branch details for Ujjivan Small Finance Bank Limited, SAMRALA branch, located in SAMRALA, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is UJVN0002331. 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 UJVN0002331 for Ujjivan Small Finance Bank Limited – SAMRALA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – SAMRALA is UJVN0002331. The first four letters UJVN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002331 map to this branch in SAMRALA, PUNJAB.
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 Samrala branch in Samrala, Punjab is part of this network and uses the IFSC code UJVN0002331 for all electronic settlement.
Branch details at a glance
| Bank Name | Ujjivan Small Finance Bank Limited |
|---|---|
| Branch | Samrala |
| IFSC Code | UJVN0002331 |
| MICR Code | Refer to cheque leaf |
| Branch Address | STAR TOWER,CHANDIGARH ROAD,OPPOSITE RAJINDRA FILLING STATION,LUDHIANA,PUNJAB-141114 |
| City | Samrala |
| District | Ludhiana |
| State | Punjab |
| STD Code | 80 |
| Phone | 40712166 |
Samrala branch overview
Located at STAR TOWER,CHANDIGARH ROAD,OPPOSITE RAJINDRA FILLING STATION,LUDHIANA,PUNJAB-141114, the Samrala branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UJVN0002331 is required for all interbank electronic transfers routed through this branch.
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 SAMRALA of Ujjivan Small Finance Bank Limited — its own 11-character IFSC. The code UJVN0002331 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 UJVN0002331 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 Samrala branch
Once you have an account at Ujjivan Small Finance Bank Limited – SAMRALA, the IFSC UJVN0002331 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.
Banking services available
The Samrala branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 80-40712166.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC UJVN0002331
How to transfer money using IFSC UJVN0002331
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 UJVN0002331 across all three.
How to use IFSC UJVN0002331 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 SAMRALA 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC UJVN0002331.
- Confirm the bank name auto-populates as Ujjivan Small Finance Bank Limited and the branch as SAMRALA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UJVN0002331
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 – SAMRALA, ensure your bank's portal accepts IFSC UJVN0002331 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Ujjivan Small Finance Bank Limited – SAMRALA, use IMPS. With IFSC UJVN0002331 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Samrala
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 UJVN0002331:
- 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 SAMRALA is still linked to IFSC UJVN0002331.
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.
UPI payments and IFSC UJVN0002331
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Ujjivan Small Finance Bank Limited – SAMRALA is still mapped to IFSC UJVN0002331. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC UJVN0002331 and the beneficiary's account number to complete the transfer.
Online banking and IFSC UJVN0002331
Ujjivan Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SAMRALA 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 UJVN0002331 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 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 UJVN0002331 and the account number together uniquely identify the Samrala branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC UJVN0002331
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Ujjivan Small Finance Bank Limited – SAMRALA, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
UJVN0002331. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
How to reach the Samrala branch
The branch is located at STAR TOWER,CHANDIGARH ROAD,OPPOSITE RAJINDRA FILLING STATION,LUDHIANA,PUNJAB-141114, which puts it inside Samrala, the broader Ludhiana district, and the state of Punjab. To plan your visit:
- Open Google Maps on your phone and search for “Ujjivan Small Finance Bank Limited Samrala branch” — the verified location pin for IFSC UJVN0002331 should appear at the top of the results.
- Confirm the branch is open by calling 80-40712166 before stepping out, especially around public holidays.
- 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 UJVN0002331 and your account number.
Verifying IFSC UJVN0002331 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 UJVN0002331 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 Samrala branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UJVN0002331, however, work 24x7.
Branch address & contact
Ujjivan Small Finance Bank LimitedSamrala Branch
STAR TOWER,CHANDIGARH ROAD,OPPOSITE RAJINDRA FILLING STATION,LUDHIANA,PUNJAB-141114
Samrala, Punjab
Phone: 80-40712166
IFSC: UJVN0002331
Frequently asked questions
Can I use IFSC UJVN0002331 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UJVN0002331 to send funds instantly.
Is IFSC UJVN0002331 valid for NEFT and RTGS?
Yes. IFSC UJVN0002331 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Ujjivan Small Finance Bank Limited Samrala as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UJVN0002331, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UJVN0002331 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Ujjivan Small Finance Bank Limited – Samrala reflect within 30 minutes.
Is IFSC UJVN0002331 the same for all accounts at Samrala branch?
Yes. The IFSC UJVN0002331 is shared by every account held at Ujjivan Small Finance Bank Limited's Samrala branch. Only the account number changes from customer to customer.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Samrala branch but serve different purposes.
Summary
The IFSC code UJVN0002331 belongs to Ujjivan Small Finance Bank Limited's SAMRALA branch, located at STAR TOWER,CHANDIGARH ROAD,OPPOSITE RAJINDRA FILLING… in SAMRALA, 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.
