Below are the complete branch details for Utkarsh Small Finance Bank, SAGUNA MORE branch, located in PATNA, BIHAR. The IFSC assigned by the Reserve Bank of India to this branch is UTKS0001377. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UTKS0001377 for Utkarsh Small Finance Bank – SAGUNA MORE — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – SAGUNA MORE is UTKS0001377. The first four letters UTKS are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001377 map to this branch in PATNA, BIHAR.
Branch details at a glance
| Bank Name | Utkarsh Small Finance Bank |
|---|---|
| Branch | Saguna More |
| IFSC Code | UTKS0001377 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR PLOT NUMBER 202 VASHIKUNJ COMPLEX NEAR SAGUNA MORE PATNA 801503 |
| City | Patna |
| District | Patna |
| State | Bihar |
| STD Code | 91 |
| Phone | 9102405957 |
Bank profile
Utkarsh Small Finance Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Saguna More branch — IFSC UTKS0001377 — extends the bank's services to customers in and around Patna, Bihar.
About the Saguna More branch
The Saguna More branch of Utkarsh Small Finance Bank is situated at GROUND FLOOR PLOT NUMBER 202 VASHIKUNJ COMPLEX NEAR SAGUNA MORE PATNA 801503. 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 UTKS0001377 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 SAGUNA MORE of Utkarsh Small Finance Bank — its own 11-character IFSC. The code UTKS0001377 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 UTKS0001377 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 UTKS0001377
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 UTKS0001377 across all three.
NEFT to Utkarsh Small Finance Bank, SAGUNA MORE using IFSC UTKS0001377
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 UTKS0001377, and confirm that the system picks up Utkarsh Small Finance Bank – SAGUNA MORE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTKS0001377
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 – SAGUNA MORE, ensure your bank's portal accepts IFSC UTKS0001377 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 – SAGUNA MORE, use IMPS. With IFSC UTKS0001377 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 UTKS0001377 for Utkarsh Small Finance Bank – SAGUNA MORE, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – UTKS0001377 | Yes – UTKS0001377 | Yes – UTKS0001377 |
For most retail customers crediting the Saguna More 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 UTKS0001377
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 – SAGUNA MORE is still mapped to IFSC UTKS0001377. 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 UTKS0001377 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Saguna More branch is mapped to IFSC UTKS0001377 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 UTKS0001377.
Products and services
Customers walking into the Saguna More 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 UTKS0001377
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 UTKS0001377 and the account number together uniquely identify the Saguna More branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Saguna More 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 UTKS0001377 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 UTKS0001377
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 – SAGUNA MORE, 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:
UTKS0001377. - 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 Saguna More branch
The branch is located at GROUND FLOOR PLOT NUMBER 202 VASHIKUNJ COMPLEX NEAR SAGUNA MORE PATNA 801503, which puts it inside Patna, the broader Patna district, and the state of Bihar. To plan your visit:
- Open Google Maps on your phone and search for “Utkarsh Small Finance Bank Saguna More branch” — the verified location pin for IFSC UTKS0001377 should appear at the top of the results.
- Confirm the branch is open by calling 91-9102405957 before stepping out, especially around public holidays.
- 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 UTKS0001377 and your account number.
Verifying IFSC UTKS0001377 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 UTKS0001377 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9102405957.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Saguna More 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 UTKS0001377 continue to work without interruption.
Branch address & contact
Utkarsh Small Finance BankSaguna More Branch
GROUND FLOOR PLOT NUMBER 202 VASHIKUNJ COMPLEX NEAR SAGUNA MORE PATNA 801503
Patna, Bihar
Phone: 91-9102405957
IFSC: UTKS0001377
Frequently asked questions
What is the IFSC code of Utkarsh Small Finance Bank Saguna More branch?
The IFSC code of Utkarsh Small Finance Bank, Saguna More branch is UTKS0001377. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC UTKS0001377 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTKS0001377 to send funds instantly.
Is IFSC UTKS0001377 the same for all accounts at Saguna More branch?
Yes. The IFSC UTKS0001377 is shared by every account held at Utkarsh Small Finance Bank's Saguna More branch. Only the account number changes from customer to customer.
How do I add Utkarsh Small Finance Bank Saguna More as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTKS0001377, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Utkarsh Small Finance Bank Saguna More branch?
You can reach the branch at 91-9102405957 during regular banking hours.
How quickly will an NEFT transfer using UTKS0001377 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Utkarsh Small Finance Bank – Saguna More reflect within 30 minutes.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Saguna More branch but serve different purposes.
Is IFSC UTKS0001377 valid for NEFT and RTGS?
Yes. IFSC UTKS0001377 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code UTKS0001377 belongs to Utkarsh Small Finance Bank's SAGUNA MORE branch, located at GROUND FLOOR PLOT NUMBER 202 VASHIKUNJ COMPLEX NEAR SAGUNA MORE PATNA 801503 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.
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