IFSC Code of Utkarsh Small Finance Bank, Bhadhoi City Branch, Uttar Pradesh

Below are the complete branch details for Utkarsh Small Finance Bank, BHADHOI CITY branch, located in BHADHOI, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is UTKS0001933. 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 UTKS0001933 for Utkarsh Small Finance Bank – BHADHOI CITY — 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 – BHADHOI CITY is UTKS0001933. The first four letters UTKS are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001933 map to this branch in BHADHOI, UTTAR PRADESH.

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 Bhadhoi City branch in Bhadhoi, Uttar Pradesh is part of this network and uses the IFSC code UTKS0001933 for all electronic settlement.

Branch details at a glance

About the Bhadhoi City branch

The Bhadhoi City branch of Utkarsh Small Finance Bank is situated at UTKARSH SMALL FINANCE BANK LTD. GRD FLR NATIONAL ROAD NEAR NATIONAL CARPET RAJPURA CHOURAHA BHADOHI DIST-SANT RAVIDAS NAGAR UP-221401. 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 UTKS0001933 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 BHADHOI CITY branch came to be assigned the code UTKS0001933.

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 UTKS0001933, money simply cannot be routed to the BHADHOI CITY branch electronically.

Products and account variants supported

Every account opened at the Bhadhoi City branch is mapped to IFSC UTKS0001933 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 UTKS0001933.

Banking services available

The Bhadhoi City branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8001239878.

• 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 UTKS0001933

How to transfer money using IFSC UTKS0001933

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 UTKS0001933 across all three.

NEFT to Utkarsh Small Finance Bank, BHADHOI CITY using IFSC UTKS0001933

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 UTKS0001933, and confirm that the system picks up Utkarsh Small Finance Bank – BHADHOI CITY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UTKS0001933

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 – BHADHOI CITY, ensure your bank's portal accepts IFSC UTKS0001933 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Utkarsh Small Finance Bank BHADHOI CITY (IFSC UTKS0001933)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTKS0001933 in your mobile or internet banking app, and the money is credited to the BHADHOI CITY branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Bhadhoi City

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 UTKS0001933:

• 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 BHADHOI CITY is still linked to IFSC UTKS0001933.

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 UTKS0001933

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 – BHADHOI CITY is still mapped to IFSC UTKS0001933. 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 UTKS0001933 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 Bhadhoi City 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 UTKS0001933 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 & cheque-truncation details

Cheques drawn on the Bhadhoi City branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTKS0001933 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 – BHADHOI CITY:

• The IFSC is exactly UTKS0001933 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 BHADHOI CITY 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 Bhadhoi City branch sits at UTKARSH SMALL FINANCE BANK LTD. GRD FLR NATIONAL ROAD NEAR NATIONAL CARPET RAJPURA CHOURAHA BHADOHI DIST-SANT RAVIDAS NAGAR UP-221401. If you are travelling from outside Bhadhoi, search for the branch on a maps application using the bank name and locality, or call 8001239878 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 UTKS0001933 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTKS0001933 for Utkarsh Small Finance Bank – BHADHOI CITY, 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 Bhadhoi City 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 UTKS0001933 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTKS0001933 belongs to Utkarsh Small Finance Bank's BHADHOI CITY branch, located at UTKARSH SMALL FINANCE BANK LTD. GRD FLR NATIONAL ROAD NEAR NATIONAL CARPET… in BHADHOI, 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.