IFSC Code of Utkarsh Small Finance Bank, Ghazipur Garhi Branch, Bihar

Use this page as a one-stop reference for everything related to Utkarsh Small Finance Bank's GHAZIPUR GARHI branch in GHAZIPUR GARHI, BIHAR. The branch's IFSC code UTKS0002099 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.

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 GHAZIPUR GARHI branch, the IFSC UTKS0002099 breaks down as follows: UTKS identifies the bank, 0 is the reserved character, and 002099 identifies this particular branch.

About Utkarsh Small Finance Bank

Utkarsh Small Finance Bank operates a wide network of branches across India, including the Ghazipur Garhi branch in Ghazipur Garhi. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UTKS0002099.

Ghazipur Garhi branch overview

Located at UTKARSH SMALL FINANCE BANK LTD.GROUND FLOOR JANDAHA ROAD NEAR SHIV MANDIR GHAZIPUR DISTRICT -VAISHALI BIHAR -844504, the Ghazipur Garhi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTKS0002099 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 GHAZIPUR GARHI branch came to be assigned the code UTKS0002099.

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 UTKS0002099, money simply cannot be routed to the GHAZIPUR GARHI branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Ghazipur Garhi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTKS0002099 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 UTKS0002099

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 UTKS0002099 across all three.

NEFT to Utkarsh Small Finance Bank, GHAZIPUR GARHI using IFSC UTKS0002099

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 UTKS0002099, and confirm that the system picks up Utkarsh Small Finance Bank – GHAZIPUR GARHI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GHAZIPUR GARHI

If you need to transfer ₹2 lakh or more in one go to an account at Utkarsh Small Finance Bank's GHAZIPUR GARHI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTKS0002099 while initiating the transfer and the credit will appear within minutes.

IMPS to Utkarsh Small Finance Bank GHAZIPUR GARHI (IFSC UTKS0002099)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTKS0002099 in your mobile or internet banking app, and the money is credited to the GHAZIPUR GARHI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ghazipur Garhi

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 UTKS0002099:

• 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 GHAZIPUR GARHI is still linked to IFSC UTKS0002099.

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 UTKS0002099

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 – GHAZIPUR GARHI is still mapped to IFSC UTKS0002099. 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 UTKS0002099 and the beneficiary's account number to complete the transfer.

Account types you can open at the Ghazipur Garhi branch

Once you have an account at Utkarsh Small Finance Bank – GHAZIPUR GARHI, the IFSC UTKS0002099 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 Ghazipur Garhi 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 UTKS0002099

Online banking and IFSC UTKS0002099

Utkarsh Small Finance Bank customers can register for net banking and the bank's official mobile app once their account at the GHAZIPUR GARHI 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 UTKS0002099 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.

How to reach the Ghazipur Garhi branch

The branch is located at UTKARSH SMALL FINANCE BANK LTD.GROUND FLOOR JANDAHA ROAD NEAR SHIV MANDIR GHAZIPUR DISTRICT -VAISHALI BIHAR -844504, which puts it inside Ghazipur Garhi, the broader Vaishali district, and the state of Bihar. To plan your visit:

1. Open Google Maps on your phone and search for “Utkarsh Small Finance Bank Ghazipur Garhi branch” — the verified location pin for IFSC UTKS0002099 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 UTKS0002099 and your account number.

Common mistakes to avoid when using IFSC UTKS0002099

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Utkarsh Small Finance Bank – GHAZIPUR GARHI, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: UTKS0002099.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

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 Ghazipur Garhi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTKS0002099, however, work 24x7.

Verifying IFSC UTKS0002099 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 UTKS0002099 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 address & contact

Frequently asked questions

Summary

The IFSC code UTKS0002099 belongs to Utkarsh Small Finance Bank's GHAZIPUR GARHI branch, located at UTKARSH SMALL FINANCE BANK LTD.GROUND FLOOR JANDAHA ROAD NEAR SHIV MANDIR… in GHAZIPUR GARHI, 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.