Below are the complete branch details for Utkarsh Small Finance Bank, AYODHYA RAMPATH branch, located in AYODHYA, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is UTKS0001750. 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 UTKS0001750 for Utkarsh Small Finance Bank – AYODHYA RAMPATH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 AYODHYA RAMPATH branch, the IFSC UTKS0001750 breaks down as follows: UTKS identifies the bank, 0 is the reserved character, and 001750 identifies this particular branch.
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 Ayodhya Rampath branch in Ayodhya, Uttar Pradesh is part of this network and uses the IFSC code UTKS0001750 for all electronic settlement.
Branch details at a glance
| Bank Name | Utkarsh Small Finance Bank |
|---|---|
| Branch | Ayodhya Rampath |
| IFSC Code | UTKS0001750 |
| MICR Code | Refer to cheque leaf |
| Branch Address | UPPER GRD FLR H NO.11/1/3 NEW H NO-2/5/164 1/5/74/3 VINDHYA KUND WARD NO2 AARAZI NO.77 MI MAUZA RANOPALI ANP PARGNA-HAVELI AWADH RAMAH AYODHYA TEHSIL-SADAR UP 224001 |
| City | Ayodhya |
| District | Ayodhya |
| State | Uttar Pradesh |
About the Ayodhya Rampath branch
The Ayodhya Rampath branch of Utkarsh Small Finance Bank is situated at UPPER GRD FLR H NO.11/1/3 NEW H NO-2/5/164 1/5/74/3 VINDHYA KUND WARD NO2 AARAZI NO.77 MI MAUZA RANOPALI ANP PARGNA-HAVELI AWADH RAMAH AYODHYA TEHSIL-SADAR UP 224001. 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 UTKS0001750 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 Utkarsh Small Finance Bank's AYODHYA RAMPATH branch came to be assigned the code UTKS0001750.
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 UTKS0001750, money simply cannot be routed to the AYODHYA RAMPATH branch electronically.
Account types you can open at the Ayodhya Rampath branch
Once you have an account at Utkarsh Small Finance Bank – AYODHYA RAMPATH, the IFSC UTKS0001750 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.
Banking services available
The Ayodhya Rampath branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.
- 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 UTKS0001750
How to transfer money using IFSC UTKS0001750
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 UTKS0001750 across all three.
NEFT to Utkarsh Small Finance Bank, AYODHYA RAMPATH using IFSC UTKS0001750
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 UTKS0001750, and confirm that the system picks up Utkarsh Small Finance Bank – AYODHYA RAMPATH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to AYODHYA RAMPATH
If you need to transfer ₹2 lakh or more in one go to an account at Utkarsh Small Finance Bank's AYODHYA RAMPATH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTKS0001750 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Utkarsh Small Finance Bank – AYODHYA RAMPATH, use IMPS. With IFSC UTKS0001750 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 UTKS0001750 for Utkarsh Small Finance Bank – AYODHYA RAMPATH, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – UTKS0001750 | Yes – UTKS0001750 | Yes – UTKS0001750 |
For most retail customers crediting the Ayodhya Rampath 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 UTKS0001750
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 – AYODHYA RAMPATH is still mapped to IFSC UTKS0001750. 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 UTKS0001750 and the beneficiary's account number to complete the transfer.
Online banking and IFSC UTKS0001750
Utkarsh Small Finance Bank customers can register for net banking and the bank's official mobile app once their account at the AYODHYA RAMPATH 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 UTKS0001750 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.
MICR & cheque-truncation details
Cheques drawn on the Ayodhya Rampath branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTKS0001750 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – AYODHYA RAMPATH:
- The IFSC is exactly UTKS0001750 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 AYODHYA RAMPATH 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.
Reaching the branch
The Ayodhya Rampath branch sits at UPPER GRD FLR H NO.11/1/3 NEW H NO-2/5/164 1/5/74/3 VINDHYA KUND WARD NO2 AARAZI NO.77 MI MAUZA RANOPALI ANP PARGNA-HAVELI AWADH RAMAH AYODHYA TEHSIL-SADAR UP 224001. If you are travelling from outside Ayodhya, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 UTKS0001750 and your account number.
Verifying IFSC UTKS0001750 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 UTKS0001750 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 Ayodhya Rampath 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 UTKS0001750 continue to work without interruption.
Branch address & contact
Utkarsh Small Finance BankAyodhya Rampath Branch
UPPER GRD FLR H NO.11/1/3 NEW H NO-2/5/164 1/5/74/3 VINDHYA KUND WARD NO2 AARAZI NO.77 MI MAUZA RANOPALI ANP PARGNA-HAVELI AWADH RAMAH AYODHYA TEHSIL-SADAR UP 224001
Ayodhya, Uttar Pradesh
Phone: the branch contact number
IFSC: UTKS0001750
Frequently asked questions
What is the phone number of Utkarsh Small Finance Bank Ayodhya Rampath branch?
You can reach the branch at the branch contact number during regular banking hours.
Is IFSC UTKS0001750 valid for NEFT and RTGS?
Yes. IFSC UTKS0001750 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Utkarsh Small Finance Bank Ayodhya Rampath as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTKS0001750, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UTKS0001750 the same for all accounts at Ayodhya Rampath branch?
Yes. The IFSC UTKS0001750 is shared by every account held at Utkarsh Small Finance Bank's Ayodhya Rampath branch. Only the account number changes from customer to customer.
What is the IFSC code of Utkarsh Small Finance Bank Ayodhya Rampath branch?
The IFSC code of Utkarsh Small Finance Bank, Ayodhya Rampath branch is UTKS0001750. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using UTKS0001750 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Utkarsh Small Finance Bank – Ayodhya Rampath reflect within 30 minutes.
Can I use IFSC UTKS0001750 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTKS0001750 to send funds instantly.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Ayodhya Rampath branch but serve different purposes.
Summary
The IFSC code UTKS0001750 belongs to Utkarsh Small Finance Bank's AYODHYA RAMPATH branch, located at UPPER GRD FLR H NO.11/1/3 NEW H NO-2/5/164 1/5/74/3 VINDHYA KUND WARD NO2… in AYODHYA, 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.
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