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

If you are searching for the IFSC code of Utkarsh Small Finance Bank, BILASPUR branch in BILASPUR, HARYANA, this page has every detail you need. The verified IFSC code for this branch is UTKS0001251. 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 BILASPUR branch, and detailed step-by-step guides for using the IFSC UTKS0001251 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 BILASPUR branch, the IFSC UTKS0001251 breaks down as follows: UTKS identifies the bank, 0 is the reserved character, and 001251 identifies this particular branch.

Branch details at a glance

Bank profile

Utkarsh Small Finance Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Bilaspur branch — IFSC UTKS0001251 — extends the bank's services to customers in and around Bilaspur, Haryana.

About the Bilaspur branch

The Bilaspur branch of Utkarsh Small Finance Bank is situated at BILASPUR,H.B.NO.279,TEHSIL - BILASPUR,GOPAL MOCHAN ROAD,DISTRICT - YAMUNA NAGAR,STATE-HARYANA,PIN CODE-135102. 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 UTKS0001251 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 BILASPUR branch came to be assigned the code UTKS0001251.

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 UTKS0001251, money simply cannot be routed to the BILASPUR branch electronically.

How to transfer money using IFSC UTKS0001251

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 UTKS0001251 across all three.

NEFT to Utkarsh Small Finance Bank, BILASPUR using IFSC UTKS0001251

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 UTKS0001251, and confirm that the system picks up Utkarsh Small Finance Bank – BILASPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BILASPUR

If you need to transfer ₹2 lakh or more in one go to an account at Utkarsh Small Finance Bank's BILASPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTKS0001251 while initiating the transfer and the credit will appear within minutes.

IMPS to Utkarsh Small Finance Bank BILASPUR (IFSC UTKS0001251)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTKS0001251 in your mobile or internet banking app, and the money is credited to the BILASPUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Bilaspur

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 UTKS0001251:

• 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 BILASPUR is still linked to IFSC UTKS0001251.

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 UTKS0001251

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 – BILASPUR is still mapped to IFSC UTKS0001251. 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 UTKS0001251 and the beneficiary's account number to complete the transfer.

Account types you can open at the Bilaspur branch

Once you have an account at Utkarsh Small Finance Bank – BILASPUR, the IFSC UTKS0001251 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 Bilaspur 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 UTKS0001251

MICR & cheque-truncation details

Cheques drawn on the Bilaspur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTKS0001251 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Bilaspur 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 UTKS0001251 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.

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 – BILASPUR:

• The IFSC is exactly UTKS0001251 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 BILASPUR 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 Bilaspur branch sits at BILASPUR,H.B.NO.279,TEHSIL - BILASPUR,GOPAL MOCHAN ROAD,DISTRICT - YAMUNA NAGAR,STATE-HARYANA,PIN CODE-135102. If you are travelling from outside Bilaspur, search for the branch on a maps application using the bank name and locality, or call 832-8222818102 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 UTKS0001251 and your account number.

Verifying IFSC UTKS0001251 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 UTKS0001251 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 832-8222818102.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Bilaspur 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 UTKS0001251 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTKS0001251 belongs to Utkarsh Small Finance Bank's BILASPUR branch, located at BILASPUR,H.B.NO.279,TEHSIL - BILASPUR,GOPAL MOCHAN ROAD,DISTRICT - YAMUNA… in BILASPUR, HARYANA. 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.