IFSC Code of Utkarsh Small Finance Bank, Ulhasnagar Maharashtra Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for Utkarsh Small Finance Bank, ULHASNAGAR MAHARASHTRA branch in ULHASNAGAR MAHARASHTRA. The 11-digit IFSC UTKS0001646 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Utkarsh Small Finance Bank at the ULHASNAGAR MAHARASHTRA location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 – ULHASNAGAR MAHARASHTRA is UTKS0001646. The first four letters UTKS are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001646 map to this branch in ULHASNAGAR MAHARASHTRA, MAHARASHTRA.

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 Ulhasnagar Maharashtra branch in Ulhasnagar Maharashtra, Maharashtra is part of this network and uses the IFSC code UTKS0001646 for all electronic settlement.

About the Ulhasnagar Maharashtra branch

The Ulhasnagar Maharashtra branch of Utkarsh Small Finance Bank is situated at SHOP GROUND FLOOR LAXMI PLAZA OPP.UNION BANK OF INDIA ( CORPORATION BANK ) UMC ROAD DISTRICT THANE STATE MAHARASHTRA PIN 421003. 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 UTKS0001646 is used.

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 ULHASNAGAR MAHARASHTRA branch came to be assigned the code UTKS0001646.

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 UTKS0001646, money simply cannot be routed to the ULHASNAGAR MAHARASHTRA branch electronically.

How to transfer money using IFSC UTKS0001646

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 UTKS0001646 across all three.

How to use IFSC UTKS0001646 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Utkarsh Small Finance Bank's ULHASNAGAR MAHARASHTRA 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 UTKS0001646.
4. Confirm the bank name auto-populates as Utkarsh Small Finance Bank and the branch as ULHASNAGAR MAHARASHTRA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UTKS0001646

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 – ULHASNAGAR MAHARASHTRA, ensure your bank's portal accepts IFSC UTKS0001646 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Utkarsh Small Finance Bank ULHASNAGAR MAHARASHTRA (IFSC UTKS0001646)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTKS0001646 in your mobile or internet banking app, and the money is credited to the ULHASNAGAR MAHARASHTRA branch account within seconds.

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

All three modes accept the IFSC UTKS0001646 for Utkarsh Small Finance Bank – ULHASNAGAR MAHARASHTRA, 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 Ulhasnagar Maharashtra 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 UTKS0001646

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 – ULHASNAGAR MAHARASHTRA is still mapped to IFSC UTKS0001646. 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 UTKS0001646 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Ulhasnagar Maharashtra branch is mapped to IFSC UTKS0001646 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 UTKS0001646.

Products and services

Customers walking into the Ulhasnagar Maharashtra 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 UTKS0001646

MICR & cheque-truncation details

Cheques drawn on the Ulhasnagar Maharashtra branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTKS0001646 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 Ulhasnagar Maharashtra 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 UTKS0001646 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 – ULHASNAGAR MAHARASHTRA:

• The IFSC is exactly UTKS0001646 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 ULHASNAGAR MAHARASHTRA 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.

How to reach the Ulhasnagar Maharashtra branch

The branch is located at SHOP GROUND FLOOR LAXMI PLAZA OPP.UNION BANK OF INDIA ( CORPORATION BANK ) UMC ROAD DISTRICT THANE STATE MAHARASHTRA PIN 421003, which puts it inside Ulhasnagar Maharashtra, the broader Thane district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Utkarsh Small Finance Bank Ulhasnagar Maharashtra branch” — the verified location pin for IFSC UTKS0001646 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 UTKS0001646 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTKS0001646 for Utkarsh Small Finance Bank – ULHASNAGAR MAHARASHTRA, 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 Ulhasnagar Maharashtra 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 UTKS0001646 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTKS0001646 is the IFSC code of Utkarsh Small Finance Bank, ULHASNAGAR MAHARASHTRA branch, in ULHASNAGAR MAHARASHTRA, MAHARASHTRA. 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.