IFSC Code of Utkarsh Small Finance Bank, Rampur Tiraha Muzaffarnagar Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Utkarsh Small Finance Bank's RAMPUR TIRAHA MUZAFFARNAGAR branch in RAMPUR TIRAHA MUZAFFARNAGAR, UTTAR PRADESH. The branch's IFSC code UTKS0002002 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.

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 – RAMPUR TIRAHA MUZAFFARNAGAR is UTKS0002002. The first four letters UTKS are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002002 map to this branch in RAMPUR TIRAHA MUZAFFARNAGAR, UTTAR PRADESH.

Branch details at a glance

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 Rampur Tiraha Muzaffarnagar branch in Rampur Tiraha Muzaffarnagar, Uttar Pradesh is part of this network and uses the IFSC code UTKS0002002 for all electronic settlement.

Rampur Tiraha Muzaffarnagar branch overview

Located at UTKARSH SMALL FINANCE BANK LTD.GR FLR MUZAFFARNAGAR TO SAHARANPUR ROAD NEAR S.K.D HOSPITAL RAMPUR TIRAHA MUZAFFARNAGAR DISTRICT MUZAFFARNAGAR UP-251001, the Rampur Tiraha Muzaffarnagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTKS0002002 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 RAMPUR TIRAHA MUZAFFARNAGAR branch came to be assigned the code UTKS0002002.

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 UTKS0002002, money simply cannot be routed to the RAMPUR TIRAHA MUZAFFARNAGAR branch electronically.

How to transfer money using IFSC UTKS0002002

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 UTKS0002002 across all three.

How to use IFSC UTKS0002002 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Utkarsh Small Finance Bank's RAMPUR TIRAHA MUZAFFARNAGAR 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 UTKS0002002.
4. Confirm the bank name auto-populates as Utkarsh Small Finance Bank and the branch as RAMPUR TIRAHA MUZAFFARNAGAR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to RAMPUR TIRAHA MUZAFFARNAGAR

If you need to transfer ₹2 lakh or more in one go to an account at Utkarsh Small Finance Bank's RAMPUR TIRAHA MUZAFFARNAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTKS0002002 while initiating the transfer and the credit will appear within minutes.

IMPS to Utkarsh Small Finance Bank RAMPUR TIRAHA MUZAFFARNAGAR (IFSC UTKS0002002)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTKS0002002 in your mobile or internet banking app, and the money is credited to the RAMPUR TIRAHA MUZAFFARNAGAR branch account within seconds.

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

All three modes accept the IFSC UTKS0002002 for Utkarsh Small Finance Bank – RAMPUR TIRAHA MUZAFFARNAGAR, 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 Rampur Tiraha Muzaffarnagar 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 UTKS0002002

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 – RAMPUR TIRAHA MUZAFFARNAGAR is still mapped to IFSC UTKS0002002. 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 UTKS0002002 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Rampur Tiraha Muzaffarnagar branch is mapped to IFSC UTKS0002002 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 UTKS0002002.

Banking services available

The Rampur Tiraha Muzaffarnagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• 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 UTKS0002002

MICR & cheque-truncation details

Cheques drawn on the Rampur Tiraha Muzaffarnagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTKS0002002 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC UTKS0002002

Utkarsh Small Finance Bank customers can register for net banking and the bank's official mobile app once their account at the RAMPUR TIRAHA MUZAFFARNAGAR 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 UTKS0002002 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 UTKS0002002

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 – RAMPUR TIRAHA MUZAFFARNAGAR, 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: UTKS0002002.
• 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 Rampur Tiraha Muzaffarnagar branch

The branch is located at UTKARSH SMALL FINANCE BANK LTD.GR FLR MUZAFFARNAGAR TO SAHARANPUR ROAD NEAR S.K.D HOSPITAL RAMPUR TIRAHA MUZAFFARNAGAR DISTRICT MUZAFFARNAGAR UP-251001, which puts it inside Rampur Tiraha Muzaffarnagar, the broader Ung district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Utkarsh Small Finance Bank Rampur Tiraha Muzaffarnagar branch” — the verified location pin for IFSC UTKS0002002 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 UTKS0002002 and your account number.

Verifying IFSC UTKS0002002 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 UTKS0002002 by:

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

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Rampur Tiraha Muzaffarnagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTKS0002002, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTKS0002002 belongs to Utkarsh Small Finance Bank's RAMPUR TIRAHA MUZAFFARNAGAR branch, located at UTKARSH SMALL FINANCE BANK LTD.GR FLR MUZAFFARNAGAR TO SAHARANPUR ROAD NEAR… in RAMPUR TIRAHA MUZAFFARNAGAR, UTTAR PRADESH. 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.