The IFSC Code is a very important number used in India for digital banking and online money transfers that ensures seamless and accurate fund transfers. In case you are sending money through NEFT, RTGS, or IMPS, the bank requires you to enter the correct IFSC Code to route your payment to the right branch. If you are searching for the IFSC Code of Utkarsh Small Finance Bank for its Mira Road branch in Hn, Thane, Maharashtra, this complete guide will provide you with detailed information.
The banking system in India has changed over the years, and today customers of Utkarsh Small Finance Bank located in Hn or anywhere in Maharashtra can transfer funds instantly by using the correct IFSC Code UTKS0001664. Knowing how the IFSC Code works will help you stay informed and avoid transfer issues.
Details of IFSC Code for Utkarsh Small Finance Bank, Mira Road, Hn
Here are the key points that are associated with the IFSC Code UTKS0001664 of Utkarsh Small Finance Bank for its branch located in Hn, within the district of Thane in the state of Maharashtra.
| Particulars | Details |
|---|---|
| Bank | Utkarsh Small Finance Bank |
| IFSC Code | UTKS0001664 |
| Branch | Mira Road |
| City | Hn |
| District | Thane |
| State | Maharashtra |
| Address | Ground Floor Shop No.2 3 Bldg No.13 Solitaire-Iii Poonam Garden Mira Roade Thane M.S 401107 |
These details help users in online banking and for businesses and individuals who use Utkarsh Small Finance Bank in Hn for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code UTKS0001664 for the Mira Road branch of Utkarsh Small Finance Bank has a very important role.
What Is IFSC Code and Why Is It Important?
IFSC stands for Indian Financial System Code, an 11-character alphanumeric code that is provided by the Reserve Bank of India. A unique IFSC like UTKS0001664 is given to every bank branch, including Utkarsh Small Finance Bank located in Mira Road, Hn, Maharashtra, to make sure that online payments reach the right place.
The IFSC Code is important because:
- It uniquely identifies the Utkarsh Small Finance Bank branch in Hn.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It avoids any kind of confusion between multiple branches of the same bank across different places like Hn and Thane.
- It removes errors in fund transfers and improves accuracy.
- It lets the sender banks validate and confirm branch details before they process the payments.
There are thousands of branches across Maharashtra and the rest of India, which is why the IFSC Code ensures that transactions meant for Utkarsh Small Finance Bank in Mira Road doesn't end up at another location.
Format of the IFSC Code UTKS0001664
This is the format of the IFSC Code for banks, including Utkarsh Small Finance Bank, follows an 11-character structure:
AAAA0CCCCCC
Here's the explanation:
- First 4 characters (AAAA): This is the bank code. For Utkarsh Small Finance Bank, these characters are the bank's short identifier.
- 5th character (0): This stays zero till there is any future use.
- Last 6 characters (CCCCCC): These are specific branch code assigned to branches such as Mira Road in Hn.
For example, the IFSC Code UTKS0001664 of Utkarsh Small Finance Bank for the Mira Road branch includes these elements, identifying the bank and the branch location in Hn and Maharashtra accurately.
How to Find IFSC Code for Utkarsh Small Finance Bank?
If you are trying to find the IFSC Code UTKS0001664 of Utkarsh Small Finance Bank for its Mira Road branch located in Hn, the following methods can help:
Cheque Book
The cheque book issued by Utkarsh Small Finance Bank includes the IFSC Code printed on each cheque leaf which you can easily spot on the top section.
Passbook
Most banks, including Utkarsh Small Finance Bank branches in Hn and Thane, print the IFSC and MICR codes on the first page of your passbook.
Bank Website
Visit the official website of Utkarsh Small Finance Bank and navigate to the branch locator section. Search for Mira Road or Hn to get the exact IFSC Code UTKS0001664.
Mobile Banking App
If you use Utkarsh Small Finance Bank's mobile app, you can check your account details to find your branch's IFSC code.
RBI Website
The Reserve Bank of India keeps an updated list of all IFSC codes. If you search for Utkarsh Small Finance Bank and Hn, you'll get the correct details.
How to Use IFSC Code UTKS0001664 for Online Transfers?
Once you have the IFSC Code UTKS0001664 for the Mira Road branch of Utkarsh Small Finance Bank in Hn, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code UTKS0001664. The transfer is completed in batches instead of instantly. It is useful for both personal and business payments.
RTGS
Used for high-value payments above ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.
IMPS
Instant 24×7 transfers. Requires the recipient's account details and Utkarsh Small Finance Bank IFSC Code UTKS0001664.
No matter which payment method you use, the IFSC Code must be correct. If you enter the wrong IFSC Code for the Utkarsh Small Finance Bank Mira Road in Hn, your payment can get delayed or might not go through at all.
Finding the MICR Code
MICR codes are used for cheque clearance and differ from IFSC codes. If you are looking for the MICR code of Utkarsh Small Finance Bank in Mira Road, here are some ways that you can get it:
- Check the bottom of your cheque leaf.
- Refer to the first page of your passbook.
- Visit the official Utkarsh Small Finance Bank website.
- Search the RBI portal.
If you know both IFSC and MICR codes, then it can help account holders in Hn manage online transfers as well as cheque clearances with ease.
Frequently Asked Questions (FAQs)
The IFSC Code is UTKS0001664.
Yes, but it can change if the bank merges or goes through restructuring.
No. MICR is for cheque clearing; IFSC is for online transfers.
You can find it on cheque books, passbooks, the bank's website, mobile app, or the RBI portal.
The address of the branch is Ground Floor Shop No.2 3 Bldg No.13 Solitaire-Iii Poonam Garden Mira Roade Thane M.S 401107 located in Hn, Thane, Maharashtra.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.