IFSC Code of Utkarsh Small Finance Bank, Amarwara Branch, Madhya Pradesh

If you are searching for the IFSC code of Utkarsh Small Finance Bank, AMARWARA branch in AMARWARA, MADHYA PRADESH, this page has every detail you need. The verified IFSC code for this branch is UTKS0001308. 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 AMARWARA branch, and detailed step-by-step guides for using the IFSC UTKS0001308 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 Utkarsh Small Finance Bank's AMARWARA branch, the IFSC UTKS0001308 breaks down as follows: UTKS identifies the bank, 0 is the reserved character, and 001308 identifies this particular branch.

Bank profile

Utkarsh Small Finance Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Amarwara branch — IFSC UTKS0001308 — extends the bank's services to customers in and around Amarwara, Madhya Pradesh.

Amarwara branch overview

Located at KAILASH SAHU S/O BUDDHA SINGH WARD NO.14 NEAR GURUKUL SCHOOL AMARWARA DIST.CHHINDWARA MADHYA PRADESH PIN CODE-480221, the Amarwara branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTKS0001308 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 AMARWARA of Utkarsh Small Finance Bank — its own 11-character IFSC. The code UTKS0001308 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 UTKS0001308 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Utkarsh Small Finance Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC UTKS0001308 and the account number together uniquely identify the Amarwara branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC UTKS0001308

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 UTKS0001308 across all three.

How to use IFSC UTKS0001308 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Utkarsh Small Finance Bank's AMARWARA 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 UTKS0001308.
4. Confirm the bank name auto-populates as Utkarsh Small Finance Bank and the branch as AMARWARA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UTKS0001308

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 – AMARWARA, ensure your bank's portal accepts IFSC UTKS0001308 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Utkarsh Small Finance Bank AMARWARA (IFSC UTKS0001308)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTKS0001308 in your mobile or internet banking app, and the money is credited to the AMARWARA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Amarwara

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 UTKS0001308:

• 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 AMARWARA is still linked to IFSC UTKS0001308.

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.

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 Utkarsh Small Finance Bank's AMARWARA branch, the IFSC UTKS0001308 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.

Products and account variants supported

Every account opened at the Amarwara branch is mapped to IFSC UTKS0001308 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 UTKS0001308.

Banking services available

The Amarwara branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 7162-9074925878.

• 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 UTKS0001308

Digital banking channels

Most day-to-day work that customers used to do at the Amarwara 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 UTKS0001308 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.

Reaching the branch

The Amarwara branch sits at KAILASH SAHU S/O BUDDHA SINGH WARD NO.14 NEAR GURUKUL SCHOOL AMARWARA DIST.CHHINDWARA MADHYA PRADESH PIN CODE-480221. If you are travelling from outside Amarwara, search for the branch on a maps application using the bank name and locality, or call 7162-9074925878 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC UTKS0001308 and your account number.

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 – AMARWARA:

• The IFSC is exactly UTKS0001308 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 AMARWARA 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.

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 Amarwara branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTKS0001308, however, work 24x7.

Verifying IFSC UTKS0001308 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 UTKS0001308 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 7162-9074925878.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTKS0001308 belongs to Utkarsh Small Finance Bank's AMARWARA branch, located at KAILASH SAHU S/O BUDDHA SINGH WARD NO.14 NEAR GURUKUL SCHOOL AMARWARA… in AMARWARA, MADHYA 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.