IFSC Code of Utkarsh Small Finance Bank, Siswa Bazar Branch, Uttar Pradesh

Below are the complete branch details for Utkarsh Small Finance Bank, SISWA BAZAR branch, located in MAHARAJGANJ, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is UTKS0001178. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UTKS0001178 for Utkarsh Small Finance Bank – SISWA BAZAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – SISWA BAZAR is UTKS0001178. The first four letters UTKS are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001178 map to this branch in MAHARAJGANJ, UTTAR PRADESH.

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 Siswa Bazar branch in Maharajganj, Uttar Pradesh is part of this network and uses the IFSC code UTKS0001178 for all electronic settlement.

Branch details at a glance

Siswa Bazar branch overview

Located at PLOT NO - 479 KHA,VILL- KOTHIBHAR NAGAR KSHETRA,PARAGANA -TILPUR,TEHSIL - NICHLAUL,JAISWAL NAGAR,KOTHIBHAR THANA,SISWA BAZAR,DIST-MAHARAJGANJ,UP,PIN CODE-273163, the Siswa Bazar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTKS0001178 is required for all interbank electronic transfers routed through this branch.

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 SISWA BAZAR branch came to be assigned the code UTKS0001178.

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 UTKS0001178, money simply cannot be routed to the SISWA BAZAR branch electronically.

Account types you can open at the Siswa Bazar branch

Once you have an account at Utkarsh Small Finance Bank – SISWA BAZAR, the IFSC UTKS0001178 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 Siswa Bazar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-7897348097.

• 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 UTKS0001178

How to transfer money using IFSC UTKS0001178

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 UTKS0001178 across all three.

How to use IFSC UTKS0001178 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Utkarsh Small Finance Bank's SISWA BAZAR 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 UTKS0001178.
4. Confirm the bank name auto-populates as Utkarsh Small Finance Bank and the branch as SISWA BAZAR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to SISWA BAZAR

If you need to transfer ₹2 lakh or more in one go to an account at Utkarsh Small Finance Bank's SISWA BAZAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTKS0001178 while initiating the transfer and the credit will appear within minutes.

IMPS to Utkarsh Small Finance Bank SISWA BAZAR (IFSC UTKS0001178)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTKS0001178 in your mobile or internet banking app, and the money is credited to the SISWA BAZAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Siswa Bazar

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 UTKS0001178:

• 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 SISWA BAZAR is still linked to IFSC UTKS0001178.

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.

UPI payments and IFSC UTKS0001178

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 – SISWA BAZAR is still mapped to IFSC UTKS0001178. 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 UTKS0001178 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UTKS0001178

Utkarsh Small Finance Bank customers can register for net banking and the bank's official mobile app once their account at the SISWA BAZAR 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 UTKS0001178 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.

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 UTKS0001178 and the account number together uniquely identify the Siswa Bazar 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 – SISWA BAZAR:

• The IFSC is exactly UTKS0001178 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 SISWA BAZAR 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 Siswa Bazar branch

The branch is located at PLOT NO - 479 KHA,VILL- KOTHIBHAR NAGAR KSHETRA,PARAGANA -TILPUR,TEHSIL - NICHLAUL,JAISWAL NAGAR,KOTHIBHAR THANA,SISWA BAZAR,DIST-MAHARAJGANJ,UP,PIN CODE-273163, which puts it inside Maharajganj, the broader Maharajganj district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Utkarsh Small Finance Bank Siswa Bazar branch” — the verified location pin for IFSC UTKS0001178 should appear at the top of the results.
2. Confirm the branch is open by calling 91-7897348097 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 UTKS0001178 and your account number.

Verifying IFSC UTKS0001178 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 UTKS0001178 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-7897348097.
• 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 Siswa Bazar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTKS0001178, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTKS0001178 belongs to Utkarsh Small Finance Bank's SISWA BAZAR branch, located at PLOT NO - 479 KHA,VILL- KOTHIBHAR NAGAR KSHETRA,PARAGANA -TILPUR,TEHSIL -… in MAHARAJGANJ, UTTAR PRADESH. 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.