IFSC Code of Utkarsh Small Finance Bank, Raghunathpur, Siwan, Bihar — UTKS0001316

Digital banking and online financial transactions in India uses one essential element that ensures you have a seamless and accurate fund transfers, it is the IFSC Code. Banks need the correct IFSC Code for NEFT, RTGS, or IMPS transfers to reach the right branch. If you are looking for the IFSC Code of Utkarsh Small Finance Bank for its Raghunathpur branch in Siwan, Siwan, or Bihar, this guide will help you with all the details.

There have been major changes in the banking sector in India and today, the customers of Utkarsh Small Finance Bank located in Siwan or anywhere in Bihar can transfer funds instantly by using the correct IFSC Code UTKS0001316. You should definitely know how the IFSC Code works and how it helps you stay informed and avoid transfer errors.

Details of IFSC Code for Utkarsh Small Finance Bank, Raghunathpur, Siwan

The table below shows the main details of the IFSC Code UTKS0001316 for the Utkarsh Small Finance Bank branch in Siwan, which falls under the Siwan district in Bihar.

These details are essential not only for online banking users but also for businesses and individuals who use Utkarsh Small Finance Bank in Siwan for day-to-day financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code UTKS0001316 for the Raghunathpur branch of Utkarsh Small Finance Bank plays an important role.

What Is IFSC Code and Why Is It Important?

IFSC stands for Indian Financial System Code, which is an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, including Utkarsh Small Finance Bank located in Raghunathpur, Siwan, Bihar, is provided a unique IFSC like UTKS0001316 so that their online payments reach the right place.

The IFSC Code is important because:

• It uniquely recognizes the Utkarsh Small Finance Bank branch in Siwan.
• Helps NEFT, RTGS, and IMPS systems route the transfer securely.
• It avoids any confusions between multiple branches of the same bank across different places like Siwan and Siwan.
• It reduces most of the errors in fund transfers and makes sure its accuracy.
• It enables sender banks to validate and confirm branch details before processing payments.

For thousands of branches across Bihar and the rest of India, the IFSC Code ensures that transactions meant for Utkarsh Small Finance Bank in Raghunathpur do not get misguided to another person.

Format of the IFSC Code UTKS0001316

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 Raghunathpur in Siwan.

For example, the IFSC Code UTKS0001316 of Utkarsh Small Finance Bank for the Raghunathpur branch includes these elements, identifying the bank and the branch location in Siwan and Bihar accurately.

How to Find IFSC Code for Utkarsh Small Finance Bank?

If you are looking for the IFSC Code UTKS0001316 of Utkarsh Small Finance Bank for its Raghunathpur branch located in Siwan, the following methods can help:

Cheque Book

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

Passbook

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

Bank Website

You can visit the official website of Utkarsh Small Finance Bank and look for the branch locator section, then search for Raghunathpur or Siwan to get the exact IFSC Code UTKS0001316.

Mobile Banking App

If you use Utkarsh Small Finance Bank's mobile app, you can check your account details to easily find your branch's IFSC code.

RBI Website

The Reserve Bank of India has an updated database of all IFSC codes and if you are searching for Utkarsh Small Finance Bank and Siwan, then it will provide you proper information.

How to Use IFSC Code UTKS0001316 for Online Transfers?

If you have the IFSC Code UTKS0001316 for the Raghunathpur branch of Utkarsh Small Finance Bank in Siwan, you can easily go ahead with fund transfers using any digital method:

NEFT

Add beneficiary details including the name, account number, and IFSC Code UTKS0001316. 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 UTKS0001316.

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 Raghunathpur in Siwan, 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 Raghunathpur, 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 Siwan to handle online money transfers and get their cheques cleared smoothly.