If you are searching for the IFSC code of Utkarsh Small Finance Bank, RAIPUR branch in RAIPUR, CHHATTISGARH, this page has every detail you need. The verified IFSC code for this branch is UTKS0001400. 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 RAIPUR branch, and detailed step-by-step guides for using the IFSC UTKS0001400 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, UTKS0001400 is the IFSC of Utkarsh Small Finance Bank's RAIPUR branch. The format is fixed: UTKS = bank code, 0 = reserved, 001400 = branch identifier.
Branch details at a glance
| Bank Name | Utkarsh Small Finance Bank |
|---|---|
| Branch | Raipur |
| IFSC Code | UTKS0001400 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR PLOT NO-57/90, JHABAK ARCADE INFRONT OF SAPRE SCHOOL, GROUND BUDHA PARA RAIPUR, CHHATTISGARH- 492001 |
| City | Raipur |
| District | Raipur |
| State | Chhattisgarh |
| STD Code | 91 |
| Phone | 7712427055 |
About the bank
Utkarsh Small Finance Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Raipur branch in Raipur, Chhattisgarh is part of this network and uses the IFSC code UTKS0001400 for all electronic settlement.
About the Raipur branch
The Raipur branch of Utkarsh Small Finance Bank is situated at GROUND FLOOR PLOT NO-57/90, JHABAK ARCADE INFRONT OF SAPRE SCHOOL, GROUND BUDHA PARA RAIPUR, CHHATTISGARH- 492001. 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 UTKS0001400 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 RAIPUR of Utkarsh Small Finance Bank — its own 11-character IFSC. The code UTKS0001400 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 UTKS0001400 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 UTKS0001400
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 UTKS0001400 across all three.
NEFT to Utkarsh Small Finance Bank, RAIPUR using IFSC UTKS0001400
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 UTKS0001400, and confirm that the system picks up Utkarsh Small Finance Bank – RAIPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTKS0001400
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 – RAIPUR, ensure your bank's portal accepts IFSC UTKS0001400 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Utkarsh Small Finance Bank RAIPUR (IFSC UTKS0001400)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTKS0001400 in your mobile or internet banking app, and the money is credited to the RAIPUR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTKS0001400 for Utkarsh Small Finance Bank – RAIPUR, 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 – UTKS0001400 | Yes – UTKS0001400 | Yes – UTKS0001400 |
For most retail customers crediting the Raipur 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.
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 RAIPUR branch, the IFSC UTKS0001400 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.
Products and account variants supported
Every account opened at the Raipur branch is mapped to IFSC UTKS0001400 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 UTKS0001400.
Products and services
Customers walking into the Raipur 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 UTKS0001400
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 UTKS0001400 and the account number together uniquely identify the Raipur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC UTKS0001400
Utkarsh Small Finance Bank customers can register for net banking and the bank's official mobile app once their account at the RAIPUR 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 UTKS0001400 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 UTKS0001400
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 – RAIPUR, 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:
UTKS0001400. - 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 Raipur branch
The branch is located at GROUND FLOOR PLOT NO-57/90, JHABAK ARCADE INFRONT OF SAPRE SCHOOL, GROUND BUDHA PARA RAIPUR, CHHATTISGARH- 492001, which puts it inside Raipur, the broader Raipur district, and the state of Chhattisgarh. To plan your visit:
- Open Google Maps on your phone and search for “Utkarsh Small Finance Bank Raipur branch” — the verified location pin for IFSC UTKS0001400 should appear at the top of the results.
- Confirm the branch is open by calling 91-7712427055 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 UTKS0001400 and your account number.
Verifying IFSC UTKS0001400 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 UTKS0001400 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-7712427055.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Raipur 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 UTKS0001400 continue to work without interruption.
Branch address & contact
Utkarsh Small Finance BankRaipur Branch
GROUND FLOOR PLOT NO-57/90, JHABAK ARCADE INFRONT OF SAPRE SCHOOL, GROUND BUDHA PARA RAIPUR, CHHATTISGARH- 492001
Raipur, Chhattisgarh
Phone: 91-7712427055
IFSC: UTKS0001400
Frequently asked questions
Is IFSC UTKS0001400 the same for all accounts at Raipur branch?
Yes. The IFSC UTKS0001400 is shared by every account held at Utkarsh Small Finance Bank's Raipur branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using UTKS0001400 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Utkarsh Small Finance Bank – Raipur reflect within 30 minutes.
How do I add Utkarsh Small Finance Bank Raipur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTKS0001400, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Utkarsh Small Finance Bank Raipur branch?
You can reach the branch at 91-7712427055 during regular banking hours.
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 Raipur branch but serve different purposes.
Does Utkarsh Small Finance Bank Raipur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-7712427055 to confirm.
Can I use IFSC UTKS0001400 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTKS0001400 to send funds instantly.
Final notes
To recap: UTKS0001400 is the IFSC code of Utkarsh Small Finance Bank, RAIPUR branch, in RAIPUR, CHHATTISGARH. 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.
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