IFSC Code of Ujjivan Small Finance Bank Limited, Shilda Branch, West Bengal

If you are searching for the IFSC code of Ujjivan Small Finance Bank Limited, SHILDA branch in SILDA, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is UJVN0003678. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the SHILDA branch, and detailed step-by-step guides for using the IFSC UJVN0003678 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Ujjivan Small Finance Bank Limited's SHILDA branch, the IFSC UJVN0003678 breaks down as follows: UJVN identifies the bank, 0 is the reserved character, and 003678 identifies this particular branch.

Branch details at a glance

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 Shilda branch in Silda, West Bengal is part of this network and uses the IFSC code UJVN0003678 for all electronic settlement.

About the Shilda branch

The Shilda branch of Ujjivan Small Finance Bank Limited is situated at FIRST FLOOR,NEEMTALA CHOWK,OPPOSITE SILDA PHC,SILDA,DIST.JHARGRAM,WEST BENGAL. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code UJVN0003678 is used.

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 SHILDA branch came to be assigned the code UJVN0003678.

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 UJVN0003678, money simply cannot be routed to the SHILDA branch electronically.

How to transfer money using IFSC UJVN0003678

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 UJVN0003678 across all three.

NEFT to Ujjivan Small Finance Bank Limited, SHILDA using IFSC UJVN0003678

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC UJVN0003678, and confirm that the system picks up Ujjivan Small Finance Bank Limited – SHILDA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UJVN0003678

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 – SHILDA, ensure your bank's portal accepts IFSC UJVN0003678 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 – SHILDA, use IMPS. With IFSC UJVN0003678 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 UJVN0003678 for Ujjivan Small Finance Bank Limited – SHILDA, 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 Shilda 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.

UPI payments and IFSC UJVN0003678

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 – SHILDA is still mapped to IFSC UJVN0003678. 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 UJVN0003678 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Shilda branch is mapped to IFSC UJVN0003678 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 UJVN0003678.

Products and services

Customers walking into the Shilda 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 UJVN0003678

MICR & cheque-truncation details

Cheques drawn on the Shilda branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UJVN0003678 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC UJVN0003678

Ujjivan Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SHILDA 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 UJVN0003678 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.

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 – SHILDA:

• The IFSC is exactly UJVN0003678 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 SHILDA 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 Shilda branch

The branch is located at FIRST FLOOR,NEEMTALA CHOWK,OPPOSITE SILDA PHC,SILDA,DIST.JHARGRAM,WEST BENGAL, which puts it inside Silda, the broader Jhargram district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Ujjivan Small Finance Bank Limited Shilda branch” — the verified location pin for IFSC UJVN0003678 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 UJVN0003678 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UJVN0003678 for Ujjivan Small Finance Bank Limited – SHILDA, 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 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 Shilda branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UJVN0003678, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UJVN0003678 belongs to Ujjivan Small Finance Bank Limited's SHILDA branch, located at FIRST FLOOR,NEEMTALA CHOWK,OPPOSITE SILDA PHC,SILDA,DIST.JHARGRAM,WEST BENGAL in SILDA, WEST BENGAL. 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.