IFSC Code of Utkarsh Small Finance Bank, Mahesh Khunt Branch, Bihar

Use this page as a one-stop reference for everything related to Utkarsh Small Finance Bank's MAHESH KHUNT branch in KHAGARIA, BIHAR. The branch's IFSC code UTKS0002120 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, UTKS0002120 is the IFSC of Utkarsh Small Finance Bank's MAHESH KHUNT branch. The format is fixed: UTKS = bank code, 0 = reserved, 002120 = branch identifier.

Branch details at a glance

About Utkarsh Small Finance Bank

Utkarsh Small Finance Bank operates a wide network of branches across India, including the Mahesh Khunt branch in Khagaria. 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, UTKS0002120.

About the Mahesh Khunt branch

The Mahesh Khunt branch of Utkarsh Small Finance Bank is situated at UTKARSHSMALLFINANCEBANKLTD.UPPERGROUNDFLOORSAHARSAROADUPPERGROUNDFLOORSAHARSAROADDISTRICTKHAGARIABIHAR-851213. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code UTKS0002120 is used.

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 MAHESH KHUNT of Utkarsh Small Finance Bank — its own 11-character IFSC. The code UTKS0002120 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 UTKS0002120 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC UTKS0002120

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 UTKS0002120 across all three.

NEFT to Utkarsh Small Finance Bank, MAHESH KHUNT using IFSC UTKS0002120

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 UTKS0002120, and confirm that the system picks up Utkarsh Small Finance Bank – MAHESH KHUNT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UTKS0002120

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 – MAHESH KHUNT, ensure your bank's portal accepts IFSC UTKS0002120 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Utkarsh Small Finance Bank MAHESH KHUNT (IFSC UTKS0002120)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTKS0002120 in your mobile or internet banking app, and the money is credited to the MAHESH KHUNT branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Mahesh Khunt

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 UTKS0002120:

• 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 MAHESH KHUNT is still linked to IFSC UTKS0002120.

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 MAHESH KHUNT branch, the IFSC UTKS0002120 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 Mahesh Khunt branch

Once you have an account at Utkarsh Small Finance Bank – MAHESH KHUNT, the IFSC UTKS0002120 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 Mahesh Khunt branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• 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 UTKS0002120

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 UTKS0002120 and the account number together uniquely identify the Mahesh Khunt branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC UTKS0002120

Utkarsh Small Finance Bank customers can register for net banking and the bank's official mobile app once their account at the MAHESH KHUNT 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 UTKS0002120 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.

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 – MAHESH KHUNT:

• The IFSC is exactly UTKS0002120 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 MAHESH KHUNT 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 Mahesh Khunt branch

The branch is located at UTKARSHSMALLFINANCEBANKLTD.UPPERGROUNDFLOORSAHARSAROADUPPERGROUNDFLOORSAHARSAROADDISTRICTKHAGARIABIHAR-851213, which puts it inside Khagaria, the broader Khagaria district, and the state of Bihar. To plan your visit:

1. Open Google Maps on your phone and search for “Utkarsh Small Finance Bank Mahesh Khunt branch” — the verified location pin for IFSC UTKS0002120 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 UTKS0002120 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTKS0002120 for Utkarsh Small Finance Bank – MAHESH KHUNT, 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 Mahesh Khunt 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 UTKS0002120 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTKS0002120 belongs to Utkarsh Small Finance Bank's MAHESH KHUNT branch, located at UTKARSHSMALLFINANCEBANKLTD.UPPERGROUNDFLOORSAHARSAROADUPPERGROUNDFLOORSAHARSARO… in KHAGARIA, 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.