IFSC Code of Utkarsh Small Finance Bank, Aligarh Branch, Uttar Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Utkarsh Small Finance Bank, ALIGARH branch in ALIGARH. The 11-digit IFSC UTKS0001526 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Utkarsh Small Finance Bank at the ALIGARH location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 – ALIGARH is UTKS0001526. The first four letters UTKS are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001526 map to this branch in ALIGARH, UTTAR PRADESH.

Branch details at a glance

Bank profile

Utkarsh Small Finance Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Aligarh branch — IFSC UTKS0001526 — extends the bank's services to customers in and around Aligarh, Uttar Pradesh.

Aligarh branch overview

Located at GROUND FLOOR,3/339A,MAHAVEER PARK,RAMGHAT ROAD,ALIGARH,UP - 202001, the Aligarh branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTKS0001526 is required for all interbank electronic transfers routed through this branch.

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 ALIGARH of Utkarsh Small Finance Bank — its own 11-character IFSC. The code UTKS0001526 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 UTKS0001526 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 UTKS0001526

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 UTKS0001526 across all three.

NEFT to Utkarsh Small Finance Bank, ALIGARH using IFSC UTKS0001526

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 UTKS0001526, and confirm that the system picks up Utkarsh Small Finance Bank – ALIGARH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to ALIGARH

If you need to transfer ₹2 lakh or more in one go to an account at Utkarsh Small Finance Bank's ALIGARH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTKS0001526 while initiating the transfer and the credit will appear within minutes.

IMPS to Utkarsh Small Finance Bank ALIGARH (IFSC UTKS0001526)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTKS0001526 in your mobile or internet banking app, and the money is credited to the ALIGARH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Aligarh

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 UTKS0001526:

• 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 ALIGARH is still linked to IFSC UTKS0001526.

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 UTKS0001526

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 – ALIGARH is still mapped to IFSC UTKS0001526. 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 UTKS0001526 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Aligarh branch is mapped to IFSC UTKS0001526 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 UTKS0001526.

Products and services

Customers walking into the Aligarh 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 UTKS0001526

MICR & cheque-truncation details

Cheques drawn on the Aligarh branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTKS0001526 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 Aligarh 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 UTKS0001526 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.

Common mistakes to avoid when using IFSC UTKS0001526

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 Utkarsh Small Finance Bank – ALIGARH, 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: UTKS0001526.
• 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 Aligarh branch

The branch is located at GROUND FLOOR,3/339A,MAHAVEER PARK,RAMGHAT ROAD,ALIGARH,UP - 202001, which puts it inside Aligarh, the broader Aligarh district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Utkarsh Small Finance Bank Aligarh branch” — the verified location pin for IFSC UTKS0001526 should appear at the top of the results.
2. Confirm the branch is open by calling 571-7310000555 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 UTKS0001526 and your account number.

Verifying IFSC UTKS0001526 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 UTKS0001526 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 571-7310000555.
• 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 Aligarh branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTKS0001526, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTKS0001526 belongs to Utkarsh Small Finance Bank's ALIGARH branch, located at GROUND FLOOR,3/339A,MAHAVEER PARK,RAMGHAT ROAD,ALIGARH,UP - 202001 in ALIGARH, 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.