IFSC Code of Utkarsh Small Finance Bank, Chahania Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Utkarsh Small Finance Bank's CHAHANIA branch in CHANDAULI, UTTAR PRADESH. The branch's IFSC code UTKS0001128 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.

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 – CHAHANIA is UTKS0001128. The first four letters UTKS are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001128 map to this branch in CHANDAULI, UTTAR PRADESH.

Bank profile

Utkarsh Small Finance Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Chahania branch — IFSC UTKS0001128 — extends the bank's services to customers in and around Chandauli, Uttar Pradesh.

About this branch

The branch is located at ARAZI NO.396/3,AREA 10 AERE I.E.1078 S.Q.I.E.100.18 SQ.METER,VILLAGE - KHANDWARI,PARAGANA - MAHUWARI,TEHSIL - SAKALDIHA,DISTRICT - CHANDAULI STATE - UTTAR PRADESH,PIN CODE-232109. It serves the Chandauli 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 UTKS0001128 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 CHAHANIA of Utkarsh Small Finance Bank — its own 11-character IFSC. The code UTKS0001128 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 UTKS0001128 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Chahania branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTKS0001128 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC UTKS0001128

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 UTKS0001128 across all three.

How to use IFSC UTKS0001128 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Utkarsh Small Finance Bank's CHAHANIA branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UTKS0001128.
4. Confirm the bank name auto-populates as Utkarsh Small Finance Bank and the branch as CHAHANIA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to CHAHANIA

If you need to transfer ₹2 lakh or more in one go to an account at Utkarsh Small Finance Bank's CHAHANIA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTKS0001128 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 – CHAHANIA, use IMPS. With IFSC UTKS0001128 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Chahania

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 UTKS0001128:

• 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 CHAHANIA is still linked to IFSC UTKS0001128.

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.

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 CHAHANIA branch, the IFSC UTKS0001128 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.

Account types you can open at the Chahania branch

Once you have an account at Utkarsh Small Finance Bank – CHAHANIA, the IFSC UTKS0001128 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 Chahania 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 UTKS0001128

Digital banking channels

Most day-to-day work that customers used to do at the Chahania 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 UTKS0001128 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.

Reaching the branch

The Chahania branch sits at ARAZI NO.396/3,AREA 10 AERE I.E.1078 S.Q.I.E.100.18 SQ.METER,VILLAGE - KHANDWARI,PARAGANA - MAHUWARI,TEHSIL - SAKALDIHA,DISTRICT - CHANDAULI STATE - UTTAR PRADESH,PIN CODE-232109. If you are travelling from outside Chandauli, search for the branch on a maps application using the bank name and locality, or call 91-9519203726 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 UTKS0001128 and your account number.

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 – CHAHANIA:

• The IFSC is exactly UTKS0001128 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 CHAHANIA 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.

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 Chahania branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTKS0001128, however, work 24x7.

Verifying IFSC UTKS0001128 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 UTKS0001128 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9519203726.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTKS0001128 belongs to Utkarsh Small Finance Bank's CHAHANIA branch, located at ARAZI NO.396/3,AREA 10 AERE I.E.1078 S.Q.I.E.100.18 SQ.METER,VILLAGE -… in CHANDAULI, 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.