Use this page as a one-stop reference for everything related to Utkarsh Small Finance Bank's BADAKUMARI branch in KHORDHA,, ODISHA. The branch's IFSC code UTKS0001456 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 BADAKUMARI branch, the IFSC UTKS0001456 breaks down as follows: UTKS identifies the bank, 0 is the reserved character, and 001456 identifies this particular branch.
Branch details at a glance
| Bank Name | Utkarsh Small Finance Bank |
|---|---|
| Branch | Badakumari |
| IFSC Code | UTKS0001456 |
| MICR Code | Refer to cheque leaf |
| Branch Address | P.O BADAKUMARI DIST KHORDHA,ODISHA 752065 |
| City | Khordha, |
| District | Hrh, |
| State | Odisha |
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 Badakumari branch in Khordha,, Odisha is part of this network and uses the IFSC code UTKS0001456 for all electronic settlement.
About this branch
The branch is located at P.O BADAKUMARI DIST KHORDHA,ODISHA 752065. It serves the Khordha, 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 UTKS0001456 is used to identify this branch on the RBI payments network.
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 BADAKUMARI branch came to be assigned the code UTKS0001456.
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 UTKS0001456, money simply cannot be routed to the BADAKUMARI branch electronically.
How to transfer money using IFSC UTKS0001456
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 UTKS0001456 across all three.
NEFT to Utkarsh Small Finance Bank, BADAKUMARI using IFSC UTKS0001456
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 UTKS0001456, and confirm that the system picks up Utkarsh Small Finance Bank – BADAKUMARI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BADAKUMARI
If you need to transfer ₹2 lakh or more in one go to an account at Utkarsh Small Finance Bank's BADAKUMARI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTKS0001456 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Utkarsh Small Finance Bank – BADAKUMARI, use IMPS. With IFSC UTKS0001456 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTKS0001456 for Utkarsh Small Finance Bank – BADAKUMARI, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – UTKS0001456 | Yes – UTKS0001456 | Yes – UTKS0001456 |
For most retail customers crediting the Badakumari branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
UPI payments and IFSC UTKS0001456
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 – BADAKUMARI is still mapped to IFSC UTKS0001456. 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 UTKS0001456 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Badakumari branch is mapped to IFSC UTKS0001456 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 UTKS0001456.
Products and services
Customers walking into the Badakumari 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 UTKS0001456
MICR & cheque-truncation details
Cheques drawn on the Badakumari branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTKS0001456 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC UTKS0001456
Utkarsh Small Finance Bank customers can register for net banking and the bank's official mobile app once their account at the BADAKUMARI 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 UTKS0001456 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.
Common mistakes to avoid when using IFSC UTKS0001456
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 – BADAKUMARI, 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:
UTKS0001456. - 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.
How to reach the Badakumari branch
The branch is located at P.O BADAKUMARI DIST KHORDHA,ODISHA 752065, which puts it inside Khordha,, the broader Hrh, district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Utkarsh Small Finance Bank Badakumari branch” — the verified location pin for IFSC UTKS0001456 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
- 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 UTKS0001456 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTKS0001456 for Utkarsh Small Finance Bank – BADAKUMARI, 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 Badakumari 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 UTKS0001456 continue to work without interruption.
Branch address & contact
Utkarsh Small Finance BankBadakumari Branch
P.O BADAKUMARI DIST KHORDHA,ODISHA 752065
Khordha,, Odisha
Phone: the branch contact number
IFSC: UTKS0001456
Frequently asked questions
How quickly will an NEFT transfer using UTKS0001456 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Utkarsh Small Finance Bank – Badakumari reflect within 30 minutes.
Can I use IFSC UTKS0001456 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTKS0001456 to send funds instantly.
Is IFSC UTKS0001456 the same for all accounts at Badakumari branch?
Yes. The IFSC UTKS0001456 is shared by every account held at Utkarsh Small Finance Bank's Badakumari branch. Only the account number changes from customer to customer.
How do I add Utkarsh Small Finance Bank Badakumari as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTKS0001456, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UTKS0001456 valid for NEFT and RTGS?
Yes. IFSC UTKS0001456 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Utkarsh Small Finance Bank Badakumari branch located?
Utkarsh Small Finance Bank's Badakumari branch is located at P.O BADAKUMARI DIST KHORDHA,ODISHA 752065, Khordha,, Odisha.
What is the phone number of Utkarsh Small Finance Bank Badakumari branch?
You can reach the branch at the branch contact number during regular banking hours.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Badakumari branch but serve different purposes.
Summary
The IFSC code UTKS0001456 belongs to Utkarsh Small Finance Bank's BADAKUMARI branch, located at P.O BADAKUMARI DIST KHORDHA,ODISHA 752065 in KHORDHA,, ODISHA. 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.
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