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

Use this page as a one-stop reference for everything related to Utkarsh Small Finance Bank's KOIRAUNA branch in GYANPUR, UTTAR PRADESH. The branch's IFSC code UTKS0001041 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 – KOIRAUNA is UTKS0001041. The first four letters UTKS are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001041 map to this branch in GYANPUR, UTTAR PRADESH.

Bank profile

Utkarsh Small Finance Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Koirauna branch — IFSC UTKS0001041 — extends the bank's services to customers in and around Gyanpur, Uttar Pradesh.

Branch details at a glance

About this branch

The branch is located at C/O SHIVANAND PANDEY,FIRST FLOOR,VILL-KHEDOPUR,THANA-KOIRAUNA,NEAR PETROL PUMP KSK,DIST - BHADOHI,PIN CODE - 221309. It serves the Gyanpur 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 UTKS0001041 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 KOIRAUNA of Utkarsh Small Finance Bank — its own 11-character IFSC. The code UTKS0001041 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 UTKS0001041 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Koirauna branch

Once you have an account at Utkarsh Small Finance Bank – KOIRAUNA, the IFSC UTKS0001041 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.

Banking services available

The Koirauna branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9794843391.

• 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 UTKS0001041

How to transfer money using IFSC UTKS0001041

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 UTKS0001041 across all three.

NEFT to Utkarsh Small Finance Bank, KOIRAUNA using IFSC UTKS0001041

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 UTKS0001041, and confirm that the system picks up Utkarsh Small Finance Bank – KOIRAUNA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KOIRAUNA

If you need to transfer ₹2 lakh or more in one go to an account at Utkarsh Small Finance Bank's KOIRAUNA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTKS0001041 while initiating the transfer and the credit will appear within minutes.

IMPS to Utkarsh Small Finance Bank KOIRAUNA (IFSC UTKS0001041)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTKS0001041 in your mobile or internet banking app, and the money is credited to the KOIRAUNA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Koirauna

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 UTKS0001041:

• 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 KOIRAUNA is still linked to IFSC UTKS0001041.

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 KOIRAUNA branch, the IFSC UTKS0001041 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.

Digital banking channels

Most day-to-day work that customers used to do at the Koirauna 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 UTKS0001041 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 UTKS0001041 and the account number together uniquely identify the Koirauna 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 – KOIRAUNA:

• The IFSC is exactly UTKS0001041 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 KOIRAUNA 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 Koirauna branch sits at C/O SHIVANAND PANDEY,FIRST FLOOR,VILL-KHEDOPUR,THANA-KOIRAUNA,NEAR PETROL PUMP KSK,DIST - BHADOHI,PIN CODE - 221309. If you are travelling from outside Gyanpur, search for the branch on a maps application using the bank name and locality, or call 91-9794843391 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 UTKS0001041 and your account number.

Verifying IFSC UTKS0001041 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 UTKS0001041 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9794843391.
• 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 Koirauna branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTKS0001041, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTKS0001041 is the IFSC code of Utkarsh Small Finance Bank, KOIRAUNA branch, in GYANPUR, UTTAR PRADESH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.