IFSC Code of Utkarsh Small Finance Bank, Delhi Mod, Darbhanga Branch, Bihar

Use this page as a one-stop reference for everything related to Utkarsh Small Finance Bank's DELHI MOD, DARBHANGA branch in DARBHANGA, BIHAR. The branch's IFSC code UTKS0001303 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, UTKS0001303 is the IFSC of Utkarsh Small Finance Bank's DELHI MOD, DARBHANGA branch. The format is fixed: UTKS = bank code, 0 = reserved, 001303 = branch identifier.

Bank profile

Utkarsh Small Finance Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Delhi Mod, Darbhanga branch — IFSC UTKS0001303 — extends the bank's services to customers in and around Darbhanga, Bihar.

Branch details at a glance

Delhi Mod, Darbhanga branch overview

Located at MAUZA - BASUDEOPUR,P.S - DARBHANGA,DIST - DARBHANGA,STATE - BIHAR,PIN CODE - 846005,KHATA NO - 1757,KHESARA NO - 1785 AND 1794,THANA NO - 449,TAUZI - 8534, the Delhi Mod, Darbhanga branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTKS0001303 is required for all interbank electronic transfers routed through this branch.

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 DELHI MOD, DARBHANGA branch came to be assigned the code UTKS0001303.

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 UTKS0001303, money simply cannot be routed to the DELHI MOD, DARBHANGA branch electronically.

Products and account variants supported

Every account opened at the Delhi Mod, Darbhanga branch is mapped to IFSC UTKS0001303 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 UTKS0001303.

Banking services available

The Delhi Mod, Darbhanga branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-7903882875.

• 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 UTKS0001303

How to transfer money using IFSC UTKS0001303

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 UTKS0001303 across all three.

NEFT to Utkarsh Small Finance Bank, DELHI MOD, DARBHANGA using IFSC UTKS0001303

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 UTKS0001303, and confirm that the system picks up Utkarsh Small Finance Bank – DELHI MOD, DARBHANGA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UTKS0001303

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 – DELHI MOD, DARBHANGA, ensure your bank's portal accepts IFSC UTKS0001303 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Utkarsh Small Finance Bank – DELHI MOD, DARBHANGA, use IMPS. With IFSC UTKS0001303 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 Delhi Mod, Darbhanga

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 UTKS0001303:

• 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 DELHI MOD, DARBHANGA is still linked to IFSC UTKS0001303.

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 DELHI MOD, DARBHANGA branch, the IFSC UTKS0001303 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 UTKS0001303

Utkarsh Small Finance Bank customers can register for net banking and the bank's official mobile app once their account at the DELHI MOD, DARBHANGA 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 UTKS0001303 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 & cheque-truncation details

Cheques drawn on the Delhi Mod, Darbhanga branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTKS0001303 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 – DELHI MOD, DARBHANGA:

• The IFSC is exactly UTKS0001303 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 DELHI MOD, DARBHANGA 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 Delhi Mod, Darbhanga branch sits at MAUZA - BASUDEOPUR,P.S - DARBHANGA,DIST - DARBHANGA,STATE - BIHAR,PIN CODE - 846005,KHATA NO - 1757,KHESARA NO - 1785 AND 1794,THANA NO - 449,TAUZI - 8534. If you are travelling from outside Darbhanga, search for the branch on a maps application using the bank name and locality, or call 91-7903882875 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 UTKS0001303 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTKS0001303 for Utkarsh Small Finance Bank – DELHI MOD, DARBHANGA, 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 Delhi Mod, Darbhanga 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 UTKS0001303 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTKS0001303 belongs to Utkarsh Small Finance Bank's DELHI MOD, DARBHANGA branch, located at MAUZA - BASUDEOPUR,P.S - DARBHANGA,DIST - DARBHANGA,STATE - BIHAR,PIN CODE -… in DARBHANGA, 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.