Use this page as a one-stop reference for everything related to Utkarsh Small Finance Bank's ARRAH branch in BHOJPUR, BIHAR. The branch's IFSC code UTKS0001356 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, UTKS0001356 is the IFSC of Utkarsh Small Finance Bank's ARRAH branch. The format is fixed: UTKS = bank code, 0 = reserved, 001356 = branch identifier.
About Utkarsh Small Finance Bank
Utkarsh Small Finance Bank operates a wide network of branches across India, including the Arrah branch in Bhojpur. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UTKS0001356.
About the Arrah branch
The Arrah branch of Utkarsh Small Finance Bank is situated at UPPER GR FLR PLOT NO 516 THANA NO 237 MAHAJAN TOLI SHIVGANJ AARAH DIST BHOJPUR PIN 802301. 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 UTKS0001356 is used.
Branch details at a glance
| Bank Name | Utkarsh Small Finance Bank |
|---|---|
| Branch | Arrah |
| IFSC Code | UTKS0001356 |
| MICR Code | Refer to cheque leaf |
| Branch Address | UPPER GR FLR PLOT NO 516 THANA NO 237 MAHAJAN TOLI SHIVGANJ AARAH DIST BHOJPUR PIN 802301 |
| City | Bhojpur |
| District | Bhojpur |
| State | Bihar |
| STD Code | 91 |
| Phone | 9128600600 |
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 ARRAH of Utkarsh Small Finance Bank — its own 11-character IFSC. The code UTKS0001356 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 UTKS0001356 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 UTKS0001356 and the account number together uniquely identify the Arrah branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UTKS0001356
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 UTKS0001356 across all three.
NEFT to Utkarsh Small Finance Bank, ARRAH using IFSC UTKS0001356
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 UTKS0001356, and confirm that the system picks up Utkarsh Small Finance Bank – ARRAH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to ARRAH
If you need to transfer ₹2 lakh or more in one go to an account at Utkarsh Small Finance Bank's ARRAH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTKS0001356 while initiating the transfer and the credit will appear within minutes.
IMPS to Utkarsh Small Finance Bank ARRAH (IFSC UTKS0001356)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTKS0001356 in your mobile or internet banking app, and the money is credited to the ARRAH branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTKS0001356 for Utkarsh Small Finance Bank – ARRAH, 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 – UTKS0001356 | Yes – UTKS0001356 | Yes – UTKS0001356 |
For most retail customers crediting the Arrah 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.
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 ARRAH branch, the IFSC UTKS0001356 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 Arrah branch is mapped to IFSC UTKS0001356 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 UTKS0001356.
Products and services
Customers walking into the Arrah 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 UTKS0001356
Online banking and IFSC UTKS0001356
Utkarsh Small Finance Bank customers can register for net banking and the bank's official mobile app once their account at the ARRAH 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 UTKS0001356 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.
Reaching the branch
The Arrah branch sits at UPPER GR FLR PLOT NO 516 THANA NO 237 MAHAJAN TOLI SHIVGANJ AARAH DIST BHOJPUR PIN 802301. If you are travelling from outside Bhojpur, search for the branch on a maps application using the bank name and locality, or call 91-9128600600 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 UTKS0001356 and your account number.
Common mistakes to avoid when using IFSC UTKS0001356
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 – ARRAH, 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:
UTKS0001356. - 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.
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 Arrah branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTKS0001356, however, work 24x7.
Verifying IFSC UTKS0001356 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 UTKS0001356 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9128600600.
- Visiting the bank's official branch locator page.
Branch address & contact
Utkarsh Small Finance BankArrah Branch
UPPER GR FLR PLOT NO 516 THANA NO 237 MAHAJAN TOLI SHIVGANJ AARAH DIST BHOJPUR PIN 802301
Bhojpur, Bihar
Phone: 91-9128600600
IFSC: UTKS0001356
Frequently asked questions
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 Arrah branch but serve different purposes.
Does Utkarsh Small Finance Bank Arrah branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9128600600 to confirm.
Is IFSC UTKS0001356 valid for NEFT and RTGS?
Yes. IFSC UTKS0001356 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC UTKS0001356 the same for all accounts at Arrah branch?
Yes. The IFSC UTKS0001356 is shared by every account held at Utkarsh Small Finance Bank's Arrah branch. Only the account number changes from customer to customer.
What is the IFSC code of Utkarsh Small Finance Bank Arrah branch?
The IFSC code of Utkarsh Small Finance Bank, Arrah branch is UTKS0001356. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Utkarsh Small Finance Bank Arrah branch?
You can reach the branch at 91-9128600600 during regular banking hours.
Where is Utkarsh Small Finance Bank Arrah branch located?
Utkarsh Small Finance Bank's Arrah branch is located at UPPER GR FLR PLOT NO 516 THANA NO 237 MAHAJAN TOLI SHIVGANJ AARAH DIST BHOJPUR PIN 802301, Bhojpur, Bihar.
How do I add Utkarsh Small Finance Bank Arrah as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTKS0001356, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code UTKS0001356 belongs to Utkarsh Small Finance Bank's ARRAH branch, located at UPPER GR FLR PLOT NO 516 THANA NO 237 MAHAJAN TOLI SHIVGANJ AARAH DIST BHOJPUR… in BHOJPUR, BIHAR. 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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