IFSC Code of Utkarsh Small Finance Bank, Ramkrishna Nagar Patna Branch, Bihar

If you are searching for the IFSC code of Utkarsh Small Finance Bank, RAMKRISHNA NAGAR PATNA branch in PATNA, BIHAR, this page has every detail you need. The verified IFSC code for this branch is UTKS0001687. 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 RAMKRISHNA NAGAR PATNA branch, and detailed step-by-step guides for using the IFSC UTKS0001687 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, UTKS0001687 is the IFSC of Utkarsh Small Finance Bank's RAMKRISHNA NAGAR PATNA branch. The format is fixed: UTKS = bank code, 0 = reserved, 001687 = branch identifier.

About Utkarsh Small Finance Bank

Utkarsh Small Finance Bank operates a wide network of branches across India, including the Ramkrishna Nagar Patna branch in Patna. 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, UTKS0001687.

Branch details at a glance

Ramkrishna Nagar Patna branch overview

Located at UPPER GROUND FIOOR HOLDING NO.33-41 SHIVASHILA COMPLEX RAMKRISHNA,NAGAR NEW BYE PASS ROAD,PATNA-800027, the Ramkrishna Nagar Patna branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTKS0001687 is required for all interbank electronic transfers routed through this branch.

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 RAMKRISHNA NAGAR PATNA branch came to be assigned the code UTKS0001687.

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 UTKS0001687, money simply cannot be routed to the RAMKRISHNA NAGAR PATNA branch electronically.

Products and account variants supported

Every account opened at the Ramkrishna Nagar Patna branch is mapped to IFSC UTKS0001687 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 UTKS0001687.

Products and services

Customers walking into the Ramkrishna Nagar Patna 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 UTKS0001687

How to transfer money using IFSC UTKS0001687

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 UTKS0001687 across all three.

How to use IFSC UTKS0001687 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Utkarsh Small Finance Bank's RAMKRISHNA NAGAR PATNA 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 UTKS0001687.
4. Confirm the bank name auto-populates as Utkarsh Small Finance Bank and the branch as RAMKRISHNA NAGAR PATNA.
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 UTKS0001687

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 – RAMKRISHNA NAGAR PATNA, ensure your bank's portal accepts IFSC UTKS0001687 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Utkarsh Small Finance Bank RAMKRISHNA NAGAR PATNA (IFSC UTKS0001687)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTKS0001687 in your mobile or internet banking app, and the money is credited to the RAMKRISHNA NAGAR PATNA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ramkrishna Nagar Patna

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 UTKS0001687:

• 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 RAMKRISHNA NAGAR PATNA is still linked to IFSC UTKS0001687.

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.

UPI payments and IFSC UTKS0001687

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 – RAMKRISHNA NAGAR PATNA is still mapped to IFSC UTKS0001687. 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 UTKS0001687 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UTKS0001687

Utkarsh Small Finance Bank customers can register for net banking and the bank's official mobile app once their account at the RAMKRISHNA NAGAR PATNA 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 UTKS0001687 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 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 UTKS0001687 and the account number together uniquely identify the Ramkrishna Nagar Patna branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – RAMKRISHNA NAGAR PATNA:

• The IFSC is exactly UTKS0001687 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 RAMKRISHNA NAGAR PATNA 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 Ramkrishna Nagar Patna branch

The branch is located at UPPER GROUND FIOOR HOLDING NO.33-41 SHIVASHILA COMPLEX RAMKRISHNA,NAGAR NEW BYE PASS ROAD,PATNA-800027, which puts it inside Patna, the broader Patna district, and the state of Bihar. To plan your visit:

1. Open Google Maps on your phone and search for “Utkarsh Small Finance Bank Ramkrishna Nagar Patna branch” — the verified location pin for IFSC UTKS0001687 should appear at the top of the results.
2. Confirm the branch is open by calling 8001239878 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 UTKS0001687 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTKS0001687 for Utkarsh Small Finance Bank – RAMKRISHNA NAGAR PATNA, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Working hours

Branch counters at Ramkrishna Nagar Patna 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 UTKS0001687 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTKS0001687 belongs to Utkarsh Small Finance Bank's RAMKRISHNA NAGAR PATNA branch, located at UPPER GROUND FIOOR HOLDING NO.33-41 SHIVASHILA COMPLEX RAMKRISHNA,NAGAR NEW… in PATNA, BIHAR. 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.