IFSC Code of Utkarsh Small Finance Bank, Punjabi Bagh Branch, Delhi

Below are the complete branch details for Utkarsh Small Finance Bank, PUNJABI BAGH branch, located in DELHI, DELHI. The IFSC assigned by the Reserve Bank of India to this branch is UTKS0001519. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UTKS0001519 for Utkarsh Small Finance Bank – PUNJABI BAGH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – PUNJABI BAGH is UTKS0001519. The first four letters UTKS are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001519 map to this branch in DELHI, DELHI.

Bank profile

Utkarsh Small Finance Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Punjabi Bagh branch — IFSC UTKS0001519 — extends the bank's services to customers in and around Delhi, Delhi.

Branch details at a glance

About this branch

The branch is located at PLOT NO.38,ADARSH BHAWAN,CO-OPERATIVE HOUSE BUILDINGSOCIETY LTD.ON NORTH WEST,AVENUE ROAD,PUNJABI BAGHEXTENSION,NEAR PUNJABI BAGH NEW DELHI - 110026. It serves the Delhi 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 UTKS0001519 is used to identify this branch on the RBI payments network.

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 PUNJABI BAGH of Utkarsh Small Finance Bank — its own 11-character IFSC. The code UTKS0001519 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 UTKS0001519 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Punjabi Bagh branch is mapped to IFSC UTKS0001519 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 UTKS0001519.

Banking services available

The Punjabi Bagh branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 11-8527177765.

• 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 UTKS0001519

How to transfer money using IFSC UTKS0001519

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 UTKS0001519 across all three.

NEFT to Utkarsh Small Finance Bank, PUNJABI BAGH using IFSC UTKS0001519

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 UTKS0001519, and confirm that the system picks up Utkarsh Small Finance Bank – PUNJABI BAGH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UTKS0001519

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 – PUNJABI BAGH, ensure your bank's portal accepts IFSC UTKS0001519 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Utkarsh Small Finance Bank PUNJABI BAGH (IFSC UTKS0001519)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTKS0001519 in your mobile or internet banking app, and the money is credited to the PUNJABI BAGH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Punjabi Bagh

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 UTKS0001519:

• 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 PUNJABI BAGH is still linked to IFSC UTKS0001519.

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 UTKS0001519

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 – PUNJABI BAGH is still mapped to IFSC UTKS0001519. 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 UTKS0001519 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Punjabi Bagh 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 UTKS0001519 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.

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 UTKS0001519 and the account number together uniquely identify the Punjabi Bagh 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 – PUNJABI BAGH:

• The IFSC is exactly UTKS0001519 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 PUNJABI BAGH 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.

How to reach the Punjabi Bagh branch

The branch is located at PLOT NO.38,ADARSH BHAWAN,CO-OPERATIVE HOUSE BUILDINGSOCIETY LTD.ON NORTH WEST,AVENUE ROAD,PUNJABI BAGHEXTENSION,NEAR PUNJABI BAGH NEW DELHI - 110026, which puts it inside Delhi, the broader New Delhi district, and the state of Delhi. To plan your visit:

1. Open Google Maps on your phone and search for “Utkarsh Small Finance Bank Punjabi Bagh branch” — the verified location pin for IFSC UTKS0001519 should appear at the top of the results.
2. Confirm the branch is open by calling 11-8527177765 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC UTKS0001519 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTKS0001519 for Utkarsh Small Finance Bank – PUNJABI BAGH, 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 Punjabi Bagh 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 UTKS0001519 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTKS0001519 belongs to Utkarsh Small Finance Bank's PUNJABI BAGH branch, located at PLOT NO.38,ADARSH BHAWAN,CO-OPERATIVE HOUSE BUILDINGSOCIETY LTD.ON NORTH… in DELHI, DELHI. 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.