IFSC Code of Utkarsh Small Finance Bank, Borivali West Branch, Maharashtra

If you are searching for the IFSC code of Utkarsh Small Finance Bank, BORIVALI WEST branch in MUMBAI, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is UTKS0001579. 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 BORIVALI WEST branch, and detailed step-by-step guides for using the IFSC UTKS0001579 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 – BORIVALI WEST is UTKS0001579. The first four letters UTKS are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001579 map to this branch in MUMBAI, MAHARASHTRA.

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 Borivali West branch — IFSC UTKS0001579 — extends the bank's services to customers in and around Mumbai, Maharashtra.

About the Borivali West branch

The Borivali West branch of Utkarsh Small Finance Bank is situated at GROUND FLOOR SHOP NO 7ABHILASHA 2 PUNJABI LANEBORIVALI WESTMUMBAI 400 092. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code UTKS0001579 is used.

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 BORIVALI WEST of Utkarsh Small Finance Bank — its own 11-character IFSC. The code UTKS0001579 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 UTKS0001579 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC UTKS0001579

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 UTKS0001579 across all three.

How to use IFSC UTKS0001579 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Utkarsh Small Finance Bank's BORIVALI WEST 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 UTKS0001579.
4. Confirm the bank name auto-populates as Utkarsh Small Finance Bank and the branch as BORIVALI WEST.
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 UTKS0001579

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 – BORIVALI WEST, ensure your bank's portal accepts IFSC UTKS0001579 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Utkarsh Small Finance Bank BORIVALI WEST (IFSC UTKS0001579)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTKS0001579 in your mobile or internet banking app, and the money is credited to the BORIVALI WEST branch account within seconds.

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

All three modes accept the IFSC UTKS0001579 for Utkarsh Small Finance Bank – BORIVALI WEST, 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 Borivali West 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 BORIVALI WEST branch, the IFSC UTKS0001579 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 Borivali West branch is mapped to IFSC UTKS0001579 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 UTKS0001579.

Products and services

Customers walking into the Borivali West 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 UTKS0001579

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 UTKS0001579 and the account number together uniquely identify the Borivali West branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC UTKS0001579

Utkarsh Small Finance Bank customers can register for net banking and the bank's official mobile app once their account at the BORIVALI WEST 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 UTKS0001579 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 – BORIVALI WEST:

• The IFSC is exactly UTKS0001579 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 BORIVALI WEST 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 Borivali West branch

The branch is located at GROUND FLOOR SHOP NO 7ABHILASHA 2 PUNJABI LANEBORIVALI WESTMUMBAI 400 092, which puts it inside Mumbai, the broader Mumbai district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Utkarsh Small Finance Bank Borivali West branch” — the verified location pin for IFSC UTKS0001579 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 UTKS0001579 and your account number.

Verifying IFSC UTKS0001579 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 UTKS0001579 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.

Working hours

Branch counters at Borivali West 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 UTKS0001579 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTKS0001579 belongs to Utkarsh Small Finance Bank's BORIVALI WEST branch, located at GROUND FLOOR SHOP NO 7ABHILASHA 2 PUNJABI LANEBORIVALI WESTMUMBAI 400 092 in MUMBAI, MAHARASHTRA. 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.