IFSC Code of Utkarsh Small Finance Bank, Kharagpur Branch, Bihar

This page lists the IFSC code, branch address, contact number and fund-transfer information for Utkarsh Small Finance Bank, KHARAGPUR branch in KHARAGPUR. The 11-digit IFSC UTKS0002133 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Utkarsh Small Finance Bank at the KHARAGPUR location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 KHARAGPUR branch, the IFSC UTKS0002133 breaks down as follows: UTKS identifies the bank, 0 is the reserved character, and 002133 identifies this particular branch.

About the bank

Utkarsh Small Finance Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kharagpur branch in Kharagpur, Bihar is part of this network and uses the IFSC code UTKS0002133 for all electronic settlement.

Branch details at a glance

Kharagpur branch overview

Located at UTKARSH SMALL FINANCE BANK LTD.UPPER GROUND FLOOR TARAPUR ROAD NEAR BSNL OFFICE KANTHIYA MORE HAVELI KHARAGPUR DISTRICT-MUNGER BIHAR-811213, the Kharagpur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTKS0002133 is required for all interbank electronic transfers routed through this branch.

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 KHARAGPUR of Utkarsh Small Finance Bank — its own 11-character IFSC. The code UTKS0002133 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 UTKS0002133 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 Kharagpur branch is mapped to IFSC UTKS0002133 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 UTKS0002133.

Banking services available

The Kharagpur 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 UTKS0002133

How to transfer money using IFSC UTKS0002133

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 UTKS0002133 across all three.

NEFT to Utkarsh Small Finance Bank, KHARAGPUR using IFSC UTKS0002133

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 UTKS0002133, and confirm that the system picks up Utkarsh Small Finance Bank – KHARAGPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UTKS0002133

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 – KHARAGPUR, ensure your bank's portal accepts IFSC UTKS0002133 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 – KHARAGPUR, use IMPS. With IFSC UTKS0002133 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 Kharagpur

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 UTKS0002133:

• 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 KHARAGPUR is still linked to IFSC UTKS0002133.

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 KHARAGPUR branch, the IFSC UTKS0002133 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 Kharagpur 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 UTKS0002133 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 UTKS0002133 and the account number together uniquely identify the Kharagpur 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 – KHARAGPUR:

• The IFSC is exactly UTKS0002133 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 KHARAGPUR 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 Kharagpur branch

The branch is located at UTKARSH SMALL FINANCE BANK LTD.UPPER GROUND FLOOR TARAPUR ROAD NEAR BSNL OFFICE KANTHIYA MORE HAVELI KHARAGPUR DISTRICT-MUNGER BIHAR-811213, which puts it inside Kharagpur, the broader Munger district, and the state of Bihar. To plan your visit:

1. Open Google Maps on your phone and search for “Utkarsh Small Finance Bank Kharagpur branch” — the verified location pin for IFSC UTKS0002133 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 UTKS0002133 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTKS0002133 for Utkarsh Small Finance Bank – KHARAGPUR, 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 Kharagpur 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 UTKS0002133 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTKS0002133 belongs to Utkarsh Small Finance Bank's KHARAGPUR branch, located at UTKARSH SMALL FINANCE BANK LTD.UPPER GROUND FLOOR TARAPUR ROAD NEAR BSNL… in KHARAGPUR, 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.