IFSC Code of Utkarsh Small Finance Bank, Mughalsarai Pt. Deen Dayal Upadhyaya Nagar Branch, Uttar Pradesh

Below are the complete branch details for Utkarsh Small Finance Bank, MUGHALSARAI PT. DEEN DAYAL UPADHYAYA NAGAR branch, located in MUGHALSARAI, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is UTKS0001708. 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 UTKS0001708 for Utkarsh Small Finance Bank – MUGHALSARAI PT. DEEN DAYAL UPADHYAYA NAGAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 MUGHALSARAI PT. DEEN DAYAL UPADHYAYA NAGAR branch, the IFSC UTKS0001708 breaks down as follows: UTKS identifies the bank, 0 is the reserved character, and 001708 identifies this particular branch.

Branch details at a glance

About Utkarsh Small Finance Bank

Utkarsh Small Finance Bank operates a wide network of branches across India, including the Mughalsarai Pt. Deen Dayal Upadhyaya Nagar branch in Mughalsarai. 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, UTKS0001708.

About this branch

The branch is located at HOUSE NO.908 539 AARAZI NO.147 MAUZA CHANDHASI NEAR SBI BANK PANDIT DIN DAYAL UPADHYAY NAGAR MUGHALSARAI DISTRICT CHANDAULI UTTAR PRADESH PINCODE 232101. It serves the Mughalsarai 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 UTKS0001708 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 MUGHALSARAI PT. DEEN DAYAL UPADHYAYA NAGAR branch came to be assigned the code UTKS0001708.

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 UTKS0001708, money simply cannot be routed to the MUGHALSARAI PT. DEEN DAYAL UPADHYAYA NAGAR branch electronically.

How to transfer money using IFSC UTKS0001708

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 UTKS0001708 across all three.

How to use IFSC UTKS0001708 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Utkarsh Small Finance Bank's MUGHALSARAI PT. DEEN DAYAL UPADHYAYA NAGAR 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 UTKS0001708.
4. Confirm the bank name auto-populates as Utkarsh Small Finance Bank and the branch as MUGHALSARAI PT. DEEN DAYAL UPADHYAYA NAGAR.
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 MUGHALSARAI PT. DEEN DAYAL UPADHYAYA NAGAR

If you need to transfer ₹2 lakh or more in one go to an account at Utkarsh Small Finance Bank's MUGHALSARAI PT. DEEN DAYAL UPADHYAYA NAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTKS0001708 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 – MUGHALSARAI PT. DEEN DAYAL UPADHYAYA NAGAR, use IMPS. With IFSC UTKS0001708 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 Mughalsarai Pt. Deen Dayal Upadhyaya Nagar

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 UTKS0001708:

• 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 MUGHALSARAI PT. DEEN DAYAL UPADHYAYA NAGAR is still linked to IFSC UTKS0001708.

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 MUGHALSARAI PT. DEEN DAYAL UPADHYAYA NAGAR branch, the IFSC UTKS0001708 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 Mughalsarai Pt. Deen Dayal Upadhyaya Nagar branch

Once you have an account at Utkarsh Small Finance Bank – MUGHALSARAI PT. DEEN DAYAL UPADHYAYA NAGAR, the IFSC UTKS0001708 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.

Products and services

Customers walking into the Mughalsarai Pt. Deen Dayal Upadhyaya Nagar 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 UTKS0001708

MICR & cheque-truncation details

Cheques drawn on the Mughalsarai Pt. Deen Dayal Upadhyaya Nagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTKS0001708 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Mughalsarai Pt. Deen Dayal Upadhyaya Nagar 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 UTKS0001708 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.

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 – MUGHALSARAI PT. DEEN DAYAL UPADHYAYA NAGAR:

• The IFSC is exactly UTKS0001708 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 MUGHALSARAI PT. DEEN DAYAL UPADHYAYA NAGAR 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 Mughalsarai Pt. Deen Dayal Upadhyaya Nagar branch

The branch is located at HOUSE NO.908 539 AARAZI NO.147 MAUZA CHANDHASI NEAR SBI BANK PANDIT DIN DAYAL UPADHYAY NAGAR MUGHALSARAI DISTRICT CHANDAULI UTTAR PRADESH PINCODE 232101, which puts it inside Mughalsarai, the broader Chandauli 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 Mughalsarai Pt. Deen Dayal Upadhyaya Nagar branch” — the verified location pin for IFSC UTKS0001708 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 UTKS0001708 and your account number.

Verifying IFSC UTKS0001708 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 UTKS0001708 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on the branch contact number.
• 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 Mughalsarai Pt. Deen Dayal Upadhyaya Nagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTKS0001708, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTKS0001708 is the IFSC code of Utkarsh Small Finance Bank, MUGHALSARAI PT. DEEN DAYAL UPADHYAYA NAGAR branch, in MUGHALSARAI, UTTAR PRADESH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.