IFSC Code of Utkarsh Small Finance Bank, Bishunpura Branch, Jharkhand

If you are searching for the IFSC code of Utkarsh Small Finance Bank, BISHUNPURA branch in BISHUNPURA, JHARKHAND, this page has every detail you need. The verified IFSC code for this branch is UTKS0001860. 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 BISHUNPURA branch, and detailed step-by-step guides for using the IFSC UTKS0001860 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.

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 – BISHUNPURA is UTKS0001860. The first four letters UTKS are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001860 map to this branch in BISHUNPURA, JHARKHAND.

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 Bishunpura branch in Bishunpura, Jharkhand is part of this network and uses the IFSC code UTKS0001860 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at UTKARSH SMALL FINANCE BANK LTD. GROUND FLOOR RAMNA-MAJIYAANV ROAD NEAR JHARKHAND RAJYA GRAMEEN BANK VILLAGE PO PS BISHUNPURA DISTRICT GARHWA JHARKHAND PIN - 822128. It serves the Bishunpura region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Utkarsh Small Finance Bank. The IFSC UTKS0001860 is used to identify this branch on the RBI payments network.

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 BISHUNPURA branch came to be assigned the code UTKS0001860.

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 UTKS0001860, money simply cannot be routed to the BISHUNPURA branch electronically.

Products and account variants supported

Every account opened at the Bishunpura branch is mapped to IFSC UTKS0001860 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 UTKS0001860.

Products and services

Customers walking into the Bishunpura 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 UTKS0001860

How to transfer money using IFSC UTKS0001860

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 UTKS0001860 across all three.

NEFT to Utkarsh Small Finance Bank, BISHUNPURA using IFSC UTKS0001860

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 UTKS0001860, and confirm that the system picks up Utkarsh Small Finance Bank – BISHUNPURA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BISHUNPURA

If you need to transfer ₹2 lakh or more in one go to an account at Utkarsh Small Finance Bank's BISHUNPURA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTKS0001860 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 – BISHUNPURA, use IMPS. With IFSC UTKS0001860 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 UTKS0001860 for Utkarsh Small Finance Bank – BISHUNPURA, 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.

For most retail customers crediting the Bishunpura 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 BISHUNPURA branch, the IFSC UTKS0001860 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.

Online banking and IFSC UTKS0001860

Utkarsh Small Finance Bank customers can register for net banking and the bank's official mobile app once their account at the BISHUNPURA 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 UTKS0001860 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 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 UTKS0001860 and the account number together uniquely identify the Bishunpura branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – BISHUNPURA:

• The IFSC is exactly UTKS0001860 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 BISHUNPURA 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 Bishunpura branch sits at UTKARSH SMALL FINANCE BANK LTD. GROUND FLOOR RAMNA-MAJIYAANV ROAD NEAR JHARKHAND RAJYA GRAMEEN BANK VILLAGE PO PS BISHUNPURA DISTRICT GARHWA JHARKHAND PIN - 822128. If you are travelling from outside Bishunpura, 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 UTKS0001860 and your account number.

Verifying IFSC UTKS0001860 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 UTKS0001860 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.

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 Bishunpura branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTKS0001860, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTKS0001860 belongs to Utkarsh Small Finance Bank's BISHUNPURA branch, located at UTKARSH SMALL FINANCE BANK LTD. GROUND FLOOR RAMNA-MAJIYAANV ROAD NEAR… in BISHUNPURA, JHARKHAND. 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.