IFSC Code of Utkarsh Small Finance Bank, Ghatkopar East Branch, Maharashtra

If you are searching for the IFSC code of Utkarsh Small Finance Bank, GHATKOPAR EAST branch in MUMBAI, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is UTKS0001596. 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 GHATKOPAR EAST branch, and detailed step-by-step guides for using the IFSC UTKS0001596 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 – GHATKOPAR EAST is UTKS0001596. The first four letters UTKS are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001596 map to this branch in MUMBAI, MAHARASHTRA.

Bank profile

Utkarsh Small Finance Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ghatkopar East branch — IFSC UTKS0001596 — extends the bank's services to customers in and around Mumbai, Maharashtra.

Branch details at a glance

About this branch

The branch is located at UTKARSH SMALL FINANCE BANK,SHOP NO 4,5 GROUND FLOOR SAI VAIBHAV R B MEHTA ROAD VIKRANT CIRCLE GHATKOPAR E , MUMBAI - 400077. It serves the Mumbai 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 UTKS0001596 is used to identify this branch on the RBI payments network.

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 GHATKOPAR EAST of Utkarsh Small Finance Bank — its own 11-character IFSC. The code UTKS0001596 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 UTKS0001596 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Ghatkopar East branch

Once you have an account at Utkarsh Small Finance Bank – GHATKOPAR EAST, the IFSC UTKS0001596 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 Ghatkopar East 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 UTKS0001596

How to transfer money using IFSC UTKS0001596

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 UTKS0001596 across all three.

NEFT to Utkarsh Small Finance Bank, GHATKOPAR EAST using IFSC UTKS0001596

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 UTKS0001596, and confirm that the system picks up Utkarsh Small Finance Bank – GHATKOPAR EAST. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GHATKOPAR EAST

If you need to transfer ₹2 lakh or more in one go to an account at Utkarsh Small Finance Bank's GHATKOPAR EAST branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTKS0001596 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 – GHATKOPAR EAST, use IMPS. With IFSC UTKS0001596 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 UTKS0001596 for Utkarsh Small Finance Bank – GHATKOPAR EAST, 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 Ghatkopar East 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 GHATKOPAR EAST branch, the IFSC UTKS0001596 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.

Online banking and IFSC UTKS0001596

Utkarsh Small Finance Bank customers can register for net banking and the bank's official mobile app once their account at the GHATKOPAR EAST 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 UTKS0001596 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 & cheque-truncation details

Cheques drawn on the Ghatkopar East branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTKS0001596 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – GHATKOPAR EAST:

• The IFSC is exactly UTKS0001596 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 GHATKOPAR EAST 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.

Reaching the branch

The Ghatkopar East branch sits at UTKARSH SMALL FINANCE BANK,SHOP NO 4,5 GROUND FLOOR SAI VAIBHAV R B MEHTA ROAD VIKRANT CIRCLE GHATKOPAR E , MUMBAI - 400077. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call the branch contact number to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC UTKS0001596 and your account number.

Verifying IFSC UTKS0001596 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 UTKS0001596 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 Ghatkopar East branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTKS0001596, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTKS0001596 is the IFSC code of Utkarsh Small Finance Bank, GHATKOPAR EAST branch, in MUMBAI, MAHARASHTRA. 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.