IFSC Code of Utkarsh Small Finance Bank, Fraser Road, Patna, Bihar- UTKS0001353

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 Fraser Road branch in Patna, Patna, Bihar, 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 Patna or anywhere in Bihar can transfer funds instantly by using the correct IFSC Code UTKS0001353. Knowing how the IFSC Code works will help you stay informed and avoid transfer issues.

Details of IFSC Code for Utkarsh Small Finance Bank, Fraser Road, Patna

Here are the key points that are associated with the IFSC Code UTKS0001353 of Utkarsh Small Finance Bank for its branch located in Patna, within the district of Patna in the state of Bihar.

These details helps users in online banking and for businesses and individuals who use Utkarsh Small Finance Bank in Patna for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code UTKS0001353 for the Fraser Road branch of Utkarsh Small Finance Bank plays a vital role.

What Is IFSC Code and Why Is It Important?

IFSC stands for Indian Financial System Code, an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, along with Utkarsh Small Finance Bank located in Fraser Road, Patna, Bihar, are given a unique IFSC like UTKS0001353 to ensure that online payments reach the right destination.

The IFSC Code is important because:

• It clearly tells which bank branch it is in Patna.
• It helps NEFT, RTGS, and IMPS systems route the transfer securely.
• It prevents any kind of confusion between different branches of the same bank in places like Patna and Patna.
• It reduces errors in fund transfers and improves accuracy.
• It helps the sender banks to validate and confirm branch details before processing payments.

It helps ensure that any money sent to Utkarsh Small Finance Bank in Fraser Road goes to the correct branch. This is important because Utkarsh Small Finance Bank has thousands of branches in Bihar and all over India, and the IFSC Code prevents payments from going to the wrong place.

Format of the IFSC Code UTKS0001353

The format of the IFSC Code for banks, including Utkarsh Small Finance Bank, follows an 11-character structure:

AAAA0CCCCCC

Here's the breakdown of this:

• First 4 characters (AAAA): Represent the bank code. For Utkarsh Small Finance Bank, these characters are the bank's short identifier.
• 5th character (0): Always zero which is reserved for future use.
• Last 6 characters (CCCCCC): Represent the specific branch code assigned to branches such as Fraser Road in Patna.

For example, the IFSC Code UTKS0001353 of Utkarsh Small Finance Bank for the Fraser Road branch includes these elements, identifying the bank and the branch location in Patna and Bihar accurately.

How to Find IFSC Code for Utkarsh Small Finance Bank?

To find the IFSC Code UTKS0001353 of Utkarsh Small Finance Bank for its Fraser Road branch located in Patna, the following methods can help you out:

Cheque Book

The cheque book issued by Utkarsh Small Finance Bank includes the IFSC Code printed on each cheque leaf. You can easily spot the code on the top section.

Passbook

Most banks, including Utkarsh Small Finance Bank branches in Patna and Patna, print the IFSC and MICR codes on the first page of the passbook.

Bank Website

Visit the official website of Utkarsh Small Finance Bank and go to the branch locator section. Then search for Fraser Road or Patna to find the exact IFSC Code UTKS0001353.

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 maintains an updated database of all IFSC codes. Searching for Utkarsh Small Finance Bank and Patna will provide accurate information.

How to Use IFSC Code UTKS0001353 for Online Transfers?

If you have the IFSC Code UTKS0001353 for the Fraser Road branch of Utkarsh Small Finance Bank in Patna, you can easily go ahead with fund transfers using any digital method:

NEFT

Add beneficiary details including the name, account number, and IFSC Code UTKS0001353. Transfers are processed in batches. Suitable for 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. Asks for the recipient's account details and Utkarsh Small Finance Bank IFSC Code UTKS0001353.

Whatever method you choose, the accuracy of the IFSC Code is important and needed. In case there is any mistake in entering the IFSC Code for Utkarsh Small Finance Bank Fraser Road in Patna, it may result in delayed or failed transactions.

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 Fraser Road, here are some ways to obtain 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.

Having both the IFSC and MICR codes makes it easy for account holders in Patna to handle online money transfers and get their cheques cleared smoothly.