IFSC Code of Utkarsh Small Finance Bank, Agiaon Branch, Bihar

Below are the complete branch details for Utkarsh Small Finance Bank, AGIAON branch, located in AGIAON BIHAR, BIHAR. The IFSC assigned by the Reserve Bank of India to this branch is UTKS0002063. 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 UTKS0002063 for Utkarsh Small Finance Bank – AGIAON — 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 Utkarsh Small Finance Bank – AGIAON is UTKS0002063. The first four letters UTKS are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002063 map to this branch in AGIAON BIHAR, BIHAR.

Branch details at a glance

About the bank

Utkarsh Small Finance Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Agiaon branch in Agiaon Bihar, Bihar is part of this network and uses the IFSC code UTKS0002063 for all electronic settlement.

About the Agiaon branch

The Agiaon branch of Utkarsh Small Finance Bank is situated at UTKARSH SMALL FINANCE BANK LTD.GROUND FLOOR HARERAM COMPLEX VILL/P.O-AGIAON NEAR DURGA MANDIR AGIAON DISTRICT-BHOJPUR BIHAR-802201. 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 UTKS0002063 is used.

Why every Utkarsh Small Finance Bank 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 AGIAON of Utkarsh Small Finance Bank — its own 11-character IFSC. The code UTKS0002063 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 UTKS0002063 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC UTKS0002063

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 UTKS0002063 across all three.

NEFT to Utkarsh Small Finance Bank, AGIAON using IFSC UTKS0002063

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 UTKS0002063, and confirm that the system picks up Utkarsh Small Finance Bank – AGIAON. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UTKS0002063

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 Utkarsh Small Finance Bank – AGIAON, ensure your bank's portal accepts IFSC UTKS0002063 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Utkarsh Small Finance Bank – AGIAON, use IMPS. With IFSC UTKS0002063 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 UTKS0002063 for Utkarsh Small Finance Bank – AGIAON, 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 Agiaon 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 UTKS0002063

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 Utkarsh Small Finance Bank – AGIAON is still mapped to IFSC UTKS0002063. 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 UTKS0002063 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Agiaon branch is mapped to IFSC UTKS0002063 on the RBI payments network. The branch generally supports the full retail product catalogue of Utkarsh Small Finance Bank, 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 UTKS0002063.

Products and services

Customers walking into the Agiaon branch can access most of Utkarsh Small Finance Bank'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 UTKS0002063

MICR & cheque-truncation details

Cheques drawn on the Agiaon branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTKS0002063 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Agiaon 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 UTKS0002063 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.

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 Utkarsh Small Finance Bank – AGIAON:

• The IFSC is exactly UTKS0002063 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Utkarsh Small Finance Bank as the bank name and AGIAON 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 Agiaon branch

The branch is located at UTKARSH SMALL FINANCE BANK LTD.GROUND FLOOR HARERAM COMPLEX VILL/P.O-AGIAON NEAR DURGA MANDIR AGIAON DISTRICT-BHOJPUR BIHAR-802201, which puts it inside Agiaon Bihar, the broader Hju district, and the state of Bihar. To plan your visit:

1. Open Google Maps on your phone and search for “Utkarsh Small Finance Bank Agiaon branch” — the verified location pin for IFSC UTKS0002063 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 UTKS0002063 and your account number.

Verifying IFSC UTKS0002063 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 UTKS0002063 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on the branch contact number.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Agiaon are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to UTKS0002063 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTKS0002063 belongs to Utkarsh Small Finance Bank's AGIAON branch, located at UTKARSH SMALL FINANCE BANK LTD.GROUND FLOOR HARERAM COMPLEX VILL/P.O-AGIAON… in AGIAON BIHAR, 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.