IFSC Code of Utkarsh Small Finance Bank, Assandh Branch, Haryana

Below are the complete branch details for Utkarsh Small Finance Bank, ASSANDH branch, located in ASSANDH, HARYANA. The IFSC assigned by the Reserve Bank of India to this branch is UTKS0001273. 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 UTKS0001273 for Utkarsh Small Finance Bank – ASSANDH — 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 – ASSANDH is UTKS0001273. The first four letters UTKS are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001273 map to this branch in ASSANDH, HARYANA.

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 Assandh branch in Assandh, Haryana is part of this network and uses the IFSC code UTKS0001273 for all electronic settlement.

Branch details at a glance

Assandh branch overview

Located at VILLAGE - ASSANDH,TEHSIL - ASSANDH,HOUSE NO - 309,WARD NO 15 KAITHAL ROAD,DISTRICT KARNAL,STATE - HARYANA,PIN CODE 132039, the Assandh branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTKS0001273 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 ASSANDH of Utkarsh Small Finance Bank — its own 11-character IFSC. The code UTKS0001273 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 UTKS0001273 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 Assandh branch

Once you have an account at Utkarsh Small Finance Bank – ASSANDH, the IFSC UTKS0001273 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.

Products and services

Customers walking into the Assandh 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 UTKS0001273

How to transfer money using IFSC UTKS0001273

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 UTKS0001273 across all three.

NEFT to Utkarsh Small Finance Bank, ASSANDH using IFSC UTKS0001273

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 UTKS0001273, and confirm that the system picks up Utkarsh Small Finance Bank – ASSANDH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UTKS0001273

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 – ASSANDH, ensure your bank's portal accepts IFSC UTKS0001273 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Utkarsh Small Finance Bank ASSANDH (IFSC UTKS0001273)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTKS0001273 in your mobile or internet banking app, and the money is credited to the ASSANDH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Assandh

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 UTKS0001273:

• 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 ASSANDH is still linked to IFSC UTKS0001273.

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 UTKS0001273

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 – ASSANDH is still mapped to IFSC UTKS0001273. 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 UTKS0001273 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Assandh 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 UTKS0001273 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.

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 UTKS0001273 and the account number together uniquely identify the Assandh 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 UTKS0001273

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 – ASSANDH, 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: UTKS0001273.
• 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 Assandh branch

The branch is located at VILLAGE - ASSANDH,TEHSIL - ASSANDH,HOUSE NO - 309,WARD NO 15 KAITHAL ROAD,DISTRICT KARNAL,STATE - HARYANA,PIN CODE 132039, which puts it inside Assandh, the broader Karnal district, and the state of Haryana. To plan your visit:

1. Open Google Maps on your phone and search for “Utkarsh Small Finance Bank Assandh branch” — the verified location pin for IFSC UTKS0001273 should appear at the top of the results.
2. Confirm the branch is open by calling 1749-9058367250 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 UTKS0001273 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTKS0001273 for Utkarsh Small Finance Bank – ASSANDH, 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.

Working hours

Branch counters at Assandh 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 UTKS0001273 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTKS0001273 is the IFSC code of Utkarsh Small Finance Bank, ASSANDH branch, in ASSANDH, HARYANA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.