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

If you are searching for the IFSC code of Utkarsh Small Finance Bank, LAURIYA branch in LAURIYA, BIHAR, this page has every detail you need. The verified IFSC code for this branch is UTKS0001939. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the LAURIYA branch, and detailed step-by-step guides for using the IFSC UTKS0001939 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 – LAURIYA is UTKS0001939. The first four letters UTKS are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001939 map to this branch in LAURIYA, BIHAR.

Branch details at a glance

Bank profile

Utkarsh Small Finance Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Lauriya branch — IFSC UTKS0001939 — extends the bank's services to customers in and around Lauriya, Bihar.

About this branch

The branch is located at TSMLLFINNCEBNLTD.FISTFLOOBETTIRODINFONTOFBNDNBNLUIWESTCMPNBIPIN-845453. It serves the Lauriya 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 UTKS0001939 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 LAURIYA branch came to be assigned the code UTKS0001939.

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 UTKS0001939, money simply cannot be routed to the LAURIYA branch electronically.

How to transfer money using IFSC UTKS0001939

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 UTKS0001939 across all three.

How to use IFSC UTKS0001939 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Utkarsh Small Finance Bank's LAURIYA branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UTKS0001939.
4. Confirm the bank name auto-populates as Utkarsh Small Finance Bank and the branch as LAURIYA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UTKS0001939

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 – LAURIYA, ensure your bank's portal accepts IFSC UTKS0001939 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Utkarsh Small Finance Bank LAURIYA (IFSC UTKS0001939)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTKS0001939 in your mobile or internet banking app, and the money is credited to the LAURIYA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UTKS0001939 for Utkarsh Small Finance Bank – LAURIYA, 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.

For most retail customers crediting the Lauriya 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.

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 LAURIYA branch, the IFSC UTKS0001939 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.

Products and account variants supported

Every account opened at the Lauriya branch is mapped to IFSC UTKS0001939 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 UTKS0001939.

Banking services available

The Lauriya 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 UTKS0001939

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 UTKS0001939 and the account number together uniquely identify the Lauriya branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC UTKS0001939

Utkarsh Small Finance Bank customers can register for net banking and the bank's official mobile app once their account at the LAURIYA 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 UTKS0001939 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 – LAURIYA:

• The IFSC is exactly UTKS0001939 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 LAURIYA 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 Lauriya branch

The branch is located at TSMLLFINNCEBNLTD.FISTFLOOBETTIRODINFONTOFBNDNBNLUIWESTCMPNBIPIN-845453, which puts it inside Lauriya, the broader West Champaran district, and the state of Bihar. To plan your visit:

1. Open Google Maps on your phone and search for “Utkarsh Small Finance Bank Lauriya branch” — the verified location pin for IFSC UTKS0001939 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 UTKS0001939 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTKS0001939 for Utkarsh Small Finance Bank – LAURIYA, 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 Lauriya 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 UTKS0001939 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTKS0001939 belongs to Utkarsh Small Finance Bank's LAURIYA branch, located at TSMLLFINNCEBNLTD.FISTFLOOBETTIRODINFONTOFBNDNBNLUIWESTCMPNBIPIN-845453 in LAURIYA, 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.