IFSC Code of Utkarsh Small Finance Bank, Muramkalan - Ramgarh - Jh Branch, Jharkhand

This page lists the IFSC code, branch address, contact number and fund-transfer information for Utkarsh Small Finance Bank, MURAMKALAN - RAMGARH - JH branch in MURAMKALAN - RAMGARH - JH. The 11-digit IFSC UTKS0001295 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Utkarsh Small Finance Bank at the MURAMKALAN - RAMGARH - JH location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 – MURAMKALAN - RAMGARH - JH is UTKS0001295. The first four letters UTKS are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001295 map to this branch in MURAMKALAN - RAMGARH - JH, JHARKHAND.

About Utkarsh Small Finance Bank

Utkarsh Small Finance Bank operates a wide network of branches across India, including the Muramkalan - Ramgarh - Jh branch in Muramkalan - Ramgarh - Jh. 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, UTKS0001295.

About this branch

The branch is located at C/O-MR.SITA RAM SAHU,S/O - LATE MR.DHANESHWAR SAHU,PATRATU BASTI,NEAR DURGAMANDIR BEHIND BLOCK,RAMGARH(JHARKHAND),PIN-829122. It serves the Muramkalan - Ramgarh - Jh 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 UTKS0001295 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 MURAMKALAN - RAMGARH - JH of Utkarsh Small Finance Bank — its own 11-character IFSC. The code UTKS0001295 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 UTKS0001295 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Muramkalan - Ramgarh - Jh branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTKS0001295 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC UTKS0001295

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 UTKS0001295 across all three.

NEFT to Utkarsh Small Finance Bank, MURAMKALAN - RAMGARH - JH using IFSC UTKS0001295

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 UTKS0001295, and confirm that the system picks up Utkarsh Small Finance Bank – MURAMKALAN - RAMGARH - JH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UTKS0001295

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 – MURAMKALAN - RAMGARH - JH, ensure your bank's portal accepts IFSC UTKS0001295 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Utkarsh Small Finance Bank – MURAMKALAN - RAMGARH - JH, use IMPS. With IFSC UTKS0001295 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 Muramkalan - Ramgarh - Jh

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 UTKS0001295:

• 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 MURAMKALAN - RAMGARH - JH is still linked to IFSC UTKS0001295.

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 MURAMKALAN - RAMGARH - JH branch, the IFSC UTKS0001295 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 Muramkalan - Ramgarh - Jh branch is mapped to IFSC UTKS0001295 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 UTKS0001295.

Products and services

Customers walking into the Muramkalan - Ramgarh - Jh 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 UTKS0001295

Online banking and IFSC UTKS0001295

Utkarsh Small Finance Bank customers can register for net banking and the bank's official mobile app once their account at the MURAMKALAN - RAMGARH - JH 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 UTKS0001295 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.

Reaching the branch

The Muramkalan - Ramgarh - Jh branch sits at C/O-MR.SITA RAM SAHU,S/O - LATE MR.DHANESHWAR SAHU,PATRATU BASTI,NEAR DURGAMANDIR BEHIND BLOCK,RAMGARH(JHARKHAND),PIN-829122. If you are travelling from outside Muramkalan - Ramgarh - Jh, search for the branch on a maps application using the bank name and locality, or call 6553-7070894534 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 UTKS0001295 and your account number.

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 – MURAMKALAN - RAMGARH - JH:

• The IFSC is exactly UTKS0001295 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 MURAMKALAN - RAMGARH - JH 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.

Working hours

Branch counters at Muramkalan - Ramgarh - Jh 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 UTKS0001295 continue to work without interruption.

Verifying IFSC UTKS0001295 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 UTKS0001295 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 6553-7070894534.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTKS0001295 belongs to Utkarsh Small Finance Bank's MURAMKALAN - RAMGARH - JH branch, located at C/O-MR.SITA RAM SAHU,S/O - LATE MR.DHANESHWAR SAHU,PATRATU BASTI,NEAR… in MURAMKALAN - RAMGARH - JH, JHARKHAND. 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.