IFSC Code of Utkarsh Small Finance Bank, Kanchipuram, Tamil Nadu Branch, Tamil Nadu

Use this page as a one-stop reference for everything related to Utkarsh Small Finance Bank's KANCHIPURAM, TAMIL NADU branch in TAMIL NADU, TAMIL NADU. The branch's IFSC code UTKS0001742 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Utkarsh Small Finance Bank's KANCHIPURAM, TAMIL NADU branch, the IFSC UTKS0001742 breaks down as follows: UTKS identifies the bank, 0 is the reserved character, and 001742 identifies this particular branch.

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 Kanchipuram, Tamil Nadu branch — IFSC UTKS0001742 — extends the bank's services to customers in and around Tamil Nadu, Tamil Nadu.

About this branch

The branch is located at NO.50 A/2 VILAKADI KOIL NEAR GANDHI ROAD KANCHIPURAM TAMIL NADU - 631501. It serves the Tamil Nadu region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Utkarsh Small Finance Bank. The IFSC UTKS0001742 is used to identify this branch on the RBI payments network.

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 KANCHIPURAM, TAMIL NADU of Utkarsh Small Finance Bank — its own 11-character IFSC. The code UTKS0001742 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 UTKS0001742 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 UTKS0001742

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 UTKS0001742 across all three.

NEFT to Utkarsh Small Finance Bank, KANCHIPURAM, TAMIL NADU using IFSC UTKS0001742

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 UTKS0001742, and confirm that the system picks up Utkarsh Small Finance Bank – KANCHIPURAM, TAMIL NADU. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KANCHIPURAM, TAMIL NADU

If you need to transfer ₹2 lakh or more in one go to an account at Utkarsh Small Finance Bank's KANCHIPURAM, TAMIL NADU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTKS0001742 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Utkarsh Small Finance Bank – KANCHIPURAM, TAMIL NADU, use IMPS. With IFSC UTKS0001742 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 UTKS0001742 for Utkarsh Small Finance Bank – KANCHIPURAM, TAMIL NADU, 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 Kanchipuram, Tamil Nadu 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 KANCHIPURAM, TAMIL NADU branch, the IFSC UTKS0001742 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.

Account types you can open at the Kanchipuram, Tamil Nadu branch

Once you have an account at Utkarsh Small Finance Bank – KANCHIPURAM, TAMIL NADU, the IFSC UTKS0001742 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 Kanchipuram, Tamil Nadu 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 UTKS0001742

MICR & cheque-truncation details

Cheques drawn on the Kanchipuram, Tamil Nadu branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTKS0001742 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Kanchipuram, Tamil Nadu 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 UTKS0001742 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.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Utkarsh Small Finance Bank – KANCHIPURAM, TAMIL NADU:

• The IFSC is exactly UTKS0001742 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Utkarsh Small Finance Bank as the bank name and KANCHIPURAM, TAMIL NADU as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Reaching the branch

The Kanchipuram, Tamil Nadu branch sits at NO.50 A/2 VILAKADI KOIL NEAR GANDHI ROAD KANCHIPURAM TAMIL NADU - 631501. If you are travelling from outside Tamil Nadu, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 UTKS0001742 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTKS0001742 for Utkarsh Small Finance Bank – KANCHIPURAM, TAMIL NADU, 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 Kanchipuram, Tamil Nadu 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 UTKS0001742 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTKS0001742 is the IFSC code of Utkarsh Small Finance Bank, KANCHIPURAM, TAMIL NADU branch, in TAMIL NADU, TAMIL NADU. 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.