IFSC Code of Utkarsh Small Finance Bank, Punawan - Wazirganj Branch, Bihar

If you are searching for the IFSC code of Utkarsh Small Finance Bank, PUNAWAN - WAZIRGANJ branch in PUNAWAN - WAZIRGANJ, BIHAR, this page has every detail you need. The verified IFSC code for this branch is UTKS0001204. 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 PUNAWAN - WAZIRGANJ branch, and detailed step-by-step guides for using the IFSC UTKS0001204 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, UTKS0001204 is the IFSC of Utkarsh Small Finance Bank's PUNAWAN - WAZIRGANJ branch. The format is fixed: UTKS = bank code, 0 = reserved, 001204 = branch identifier.

Bank profile

Utkarsh Small Finance Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Punawan - Wazirganj branch — IFSC UTKS0001204 — extends the bank's services to customers in and around Punawan - Wazirganj, Bihar.

Branch details at a glance

Punawan - Wazirganj branch overview

Located at C/O MUKESH KUMAR,PLOT NO.506,DAKHIN GANW,NEAR-WAZIRGANJ NAHAR POST - WAZIRGANJ,DISTT GAYA,BIHAR,PIN-805131, the Punawan - Wazirganj branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTKS0001204 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 PUNAWAN - WAZIRGANJ branch came to be assigned the code UTKS0001204.

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 UTKS0001204, money simply cannot be routed to the PUNAWAN - WAZIRGANJ branch electronically.

Products and account variants supported

Every account opened at the Punawan - Wazirganj branch is mapped to IFSC UTKS0001204 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 UTKS0001204.

Products and services

Customers walking into the Punawan - Wazirganj 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 UTKS0001204

How to transfer money using IFSC UTKS0001204

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 UTKS0001204 across all three.

NEFT to Utkarsh Small Finance Bank, PUNAWAN - WAZIRGANJ using IFSC UTKS0001204

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 UTKS0001204, and confirm that the system picks up Utkarsh Small Finance Bank – PUNAWAN - WAZIRGANJ. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UTKS0001204

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 – PUNAWAN - WAZIRGANJ, ensure your bank's portal accepts IFSC UTKS0001204 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Utkarsh Small Finance Bank PUNAWAN - WAZIRGANJ (IFSC UTKS0001204)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTKS0001204 in your mobile or internet banking app, and the money is credited to the PUNAWAN - WAZIRGANJ branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Punawan - Wazirganj

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 UTKS0001204:

• 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 PUNAWAN - WAZIRGANJ is still linked to IFSC UTKS0001204.

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 PUNAWAN - WAZIRGANJ branch, the IFSC UTKS0001204 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.

Digital banking channels

Most day-to-day work that customers used to do at the Punawan - Wazirganj 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 UTKS0001204 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.

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 UTKS0001204 and the account number together uniquely identify the Punawan - Wazirganj branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC UTKS0001204

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 – PUNAWAN - WAZIRGANJ, 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: UTKS0001204.
• 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 Punawan - Wazirganj branch sits at C/O MUKESH KUMAR,PLOT NO.506,DAKHIN GANW,NEAR-WAZIRGANJ NAHAR POST - WAZIRGANJ,DISTT GAYA,BIHAR,PIN-805131. If you are travelling from outside Punawan - Wazirganj, search for the branch on a maps application using the bank name and locality, or call 631-7070192612 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 UTKS0001204 and your account number.

Verifying IFSC UTKS0001204 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 UTKS0001204 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 631-7070192612.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Punawan - Wazirganj 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 UTKS0001204 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTKS0001204 belongs to Utkarsh Small Finance Bank's PUNAWAN - WAZIRGANJ branch, located at C/O MUKESH KUMAR,PLOT NO.506,DAKHIN GANW,NEAR-WAZIRGANJ NAHAR POST -… in PUNAWAN - WAZIRGANJ, 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.