IFSC Code of Utkarsh Small Finance Bank, Patti Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Utkarsh Small Finance Bank's PATTI branch in PRATAPGARH, UTTAR PRADESH. The branch's IFSC code UTKS0001309 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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, UTKS0001309 is the IFSC of Utkarsh Small Finance Bank's PATTI branch. The format is fixed: UTKS = bank code, 0 = reserved, 001309 = branch identifier.

Branch details at a glance

Bank profile

Utkarsh Small Finance Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Patti branch — IFSC UTKS0001309 — extends the bank's services to customers in and around Pratapgarh, Uttar Pradesh.

About the Patti branch

The Patti branch of Utkarsh Small Finance Bank is situated at ARAZI NO.29,MAUZA BAHELIYAPUR,PARGANA AND TEHSIL PATTI,PRATAPGARH,UTTAR PRADESH 230134. 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 UTKS0001309 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 PATTI of Utkarsh Small Finance Bank — its own 11-character IFSC. The code UTKS0001309 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 UTKS0001309 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 UTKS0001309

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 UTKS0001309 across all three.

NEFT to Utkarsh Small Finance Bank, PATTI using IFSC UTKS0001309

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 UTKS0001309, and confirm that the system picks up Utkarsh Small Finance Bank – PATTI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UTKS0001309

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 – PATTI, ensure your bank's portal accepts IFSC UTKS0001309 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Utkarsh Small Finance Bank PATTI (IFSC UTKS0001309)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTKS0001309 in your mobile or internet banking app, and the money is credited to the PATTI branch account within seconds.

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

All three modes accept the IFSC UTKS0001309 for Utkarsh Small Finance Bank – PATTI, 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 Patti 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 UTKS0001309

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 – PATTI is still mapped to IFSC UTKS0001309. 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 UTKS0001309 and the beneficiary's account number to complete the transfer.

Account types you can open at the Patti branch

Once you have an account at Utkarsh Small Finance Bank – PATTI, the IFSC UTKS0001309 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 Patti branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-7318076511.

• 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 UTKS0001309

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 UTKS0001309 and the account number together uniquely identify the Patti branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC UTKS0001309

Utkarsh Small Finance Bank customers can register for net banking and the bank's official mobile app once their account at the PATTI 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 UTKS0001309 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.

Common mistakes to avoid when using IFSC UTKS0001309

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 – PATTI, 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: UTKS0001309.
• 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.

Reaching the branch

The Patti branch sits at ARAZI NO.29,MAUZA BAHELIYAPUR,PARGANA AND TEHSIL PATTI,PRATAPGARH,UTTAR PRADESH 230134. If you are travelling from outside Pratapgarh, search for the branch on a maps application using the bank name and locality, or call 91-7318076511 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 UTKS0001309 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTKS0001309 for Utkarsh Small Finance Bank – PATTI, 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 Patti 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 UTKS0001309 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTKS0001309 is the IFSC code of Utkarsh Small Finance Bank, PATTI branch, in PRATAPGARH, UTTAR PRADESH. 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.