IFSC Code of Utkarsh Small Finance Bank, Patel Nagar Branch, Delhi

This page lists the IFSC code, branch address, contact number and fund-transfer information for Utkarsh Small Finance Bank, PATEL NAGAR branch in NEW DELHI. The 11-digit IFSC UTKS0001386 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 PATEL NAGAR 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 – PATEL NAGAR is UTKS0001386. The first four letters UTKS are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001386 map to this branch in NEW DELHI, DELHI.

Branch details at a glance

About Utkarsh Small Finance Bank

Utkarsh Small Finance Bank operates a wide network of branches across India, including the Patel Nagar branch in New Delhi. 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, UTKS0001386.

About this branch

The branch is located at UPPER GROUND FLOOR 2/9, WEST PATEL NAGAR NEW, DELHI-110008. It serves the New Delhi 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 UTKS0001386 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 PATEL NAGAR branch came to be assigned the code UTKS0001386.

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 UTKS0001386, money simply cannot be routed to the PATEL NAGAR branch electronically.

How to transfer money using IFSC UTKS0001386

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 UTKS0001386 across all three.

How to use IFSC UTKS0001386 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Utkarsh Small Finance Bank's PATEL 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 UTKS0001386.
4. Confirm the bank name auto-populates as Utkarsh Small Finance Bank and the branch as PATEL 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 PATEL NAGAR

If you need to transfer ₹2 lakh or more in one go to an account at Utkarsh Small Finance Bank's PATEL NAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTKS0001386 while initiating the transfer and the credit will appear within minutes.

IMPS to Utkarsh Small Finance Bank PATEL NAGAR (IFSC UTKS0001386)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTKS0001386 in your mobile or internet banking app, and the money is credited to the PATEL NAGAR branch account within seconds.

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

All three modes accept the IFSC UTKS0001386 for Utkarsh Small Finance Bank – PATEL NAGAR, 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 Patel Nagar 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.

UPI payments and IFSC UTKS0001386

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 – PATEL NAGAR is still mapped to IFSC UTKS0001386. 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 UTKS0001386 and the beneficiary's account number to complete the transfer.

Account types you can open at the Patel Nagar branch

Once you have an account at Utkarsh Small Finance Bank – PATEL NAGAR, the IFSC UTKS0001386 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 Patel Nagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9871340606.

• 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 UTKS0001386

MICR & cheque-truncation details

Cheques drawn on the Patel Nagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTKS0001386 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 Patel 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 UTKS0001386 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.

Common mistakes to avoid when using IFSC UTKS0001386

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Utkarsh Small Finance Bank – PATEL NAGAR, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: UTKS0001386.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

How to reach the Patel Nagar branch

The branch is located at UPPER GROUND FLOOR 2/9, WEST PATEL NAGAR NEW, DELHI-110008, which puts it inside New Delhi, the broader New Delhi district, and the state of Delhi. To plan your visit:

1. Open Google Maps on your phone and search for “Utkarsh Small Finance Bank Patel Nagar branch” — the verified location pin for IFSC UTKS0001386 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9871340606 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 UTKS0001386 and your account number.

Verifying IFSC UTKS0001386 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 UTKS0001386 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9871340606.
• 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 Patel Nagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTKS0001386, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTKS0001386 belongs to Utkarsh Small Finance Bank's PATEL NAGAR branch, located at UPPER GROUND FLOOR 2/9, WEST PATEL NAGAR NEW, DELHI-110008 in NEW DELHI, DELHI. 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.