IFSCUtkarsh Small Finance Bank IFSC codes
All 1,118 branches of Utkarsh Small Finance Bank with their IFSC and MICR codes. Choose a state, then find your branch.
Choose a state
- Bihar 283 branches
- Uttar Pradesh 231 branches
- Odisha 104 branches
- Jharkhand 99 branches
- Maharashtra 87 branches
- Madhya Pradesh 54 branches
- Delhi 37 branches
- Haryana 35 branches
- Rajasthan 29 branches
- Uttarakhand 27 branches
- Chhattisgarh 24 branches
- Gujarat 20 branches
- West Bengal 16 branches
- Tamil Nadu 15 branches
- Kerala 11 branches
- Punjab 11 branches
- Karnataka 10 branches
- Andhra Pradesh 5 branches
- Himachal Pradesh 4 branches
- Telangana 4 branches
- Jammu and Kashmir 3 branches
- Assam 2 branches
- Chandigarh 2 branches
- Goa 2 branches
- Meghalaya 1 branch
- Puducherry 1 branch
- Sikkim 1 branch
About Utkarsh Small Finance Bank IFSC codes
Utkarsh Small Finance Bank is a small finance bank. It has 1,118 branches with an IFSC code in 27 states and union territories. Its IFSC codes begin with UTKS. An example is UTKS0000001 (Utkarsh Small Finance Bank Imps, Mumbai).
- Most branches: Bihar (283), Uttar Pradesh (231), Odisha (104), Jharkhand (99), Maharashtra (87).
- Places with the most branches: Patna (18), Varanasi (16), Mirzapur (15), Gorakhpur (15), Saran (13), Siwan (12).
- 1,103 of 1,118 branches have a MICR code (the 9-digit code printed on cheques).
- NEFT: every branch. RTGS: every branch.
- 1,118 branches are listed as UPI enabled.
- 1 older code of this bank is no longer in use: see the old codes.
About Utkarsh Small Finance Bank
- Kind of bank
- Small finance bank
- IFSC codes begin with
- UTKS
- Branches with an IFSC code
- 1,118, in 466 places and 27 states and union territories
- MICR code of the bank
- 221762002 the 9-digit number the bank is known by in cheque clearing; each branch has its own
- NPCI number (IIN)
- 608014 identifies the bank in NPCI systems such as Aadhaar-enabled payments
- Official website
- utkarsh.bank.in from the Reserve Bank of India's list of bank websites
- Deposit insurance
- On the DICGC list of insured banks
Utkarsh Small Finance Bank is a small finance bank. A small finance bank is licensed by the Reserve Bank of India to take deposits and to lend mainly to small borrowers: small businesses, farmers, micro-enterprises and households. It offers savings accounts, fixed deposits and the usual payment services, like any other bank.
Its branches are spread over 27 states and union territories; the most are in Bihar, Uttar Pradesh and Odisha.
Deposit insurance: Utkarsh Small Finance Bank is on the list of insured banks of DICGC, the deposit insurer owned by the Reserve Bank of India. Deposits there are insured up to ₹5 lakh for each depositor, counting savings, current, fixed and recurring deposits in the bank together, principal and interest.
Payment services of Utkarsh Small Finance Bank
| Service | At this bank | What it is for |
|---|---|---|
| NEFT | Every branch | Transfers of any amount, settled in half-hourly batches, at any hour of any day |
| RTGS | Every branch | Large transfers of ₹2 lakh and more, settled one by one at once |
| IMPS | Every branch | Instant transfers at any hour, through the bank's app or net banking |
| UPI | Every branch | Instant payments to a UPI ID, mobile number or QR code |
| NACH credit | Yes | Receiving bulk payments such as salaries, pensions, dividends and subsidies |
| NACH debit | Not listed | Mandates that collect an EMI, SIP or bill from the account on a fixed date |
| Aadhaar Payment Bridge | Yes | Government benefits paid into the account linked to an Aadhaar number |
From the lists of the Reserve Bank of India and NPCI, as of 1 September 2026. A branch that is "not listed" for a service can often still receive it through the bank's main office.
Check a Utkarsh Small Finance Bank code
Questions
What is the IFSC code of Utkarsh Small Finance Bank?
Every branch of Utkarsh Small Finance Bank has its own IFSC code. The codes begin with UTKS. For example, the code of Utkarsh Small Finance Bank Imps, Mumbai is UTKS0000001. Choose the state above to see the code of each branch.
How do I find the IFSC code of my Utkarsh Small Finance Bank branch?
Choose your state on this page, then find your branch in the list or type its name in the search box. The code is also printed on your cheque book and passbook, and shown in the bank's app next to your account details.
Can I use one Utkarsh Small Finance Bank IFSC code for another branch?
Use the code of the branch where the account is held. A payment with the right account number and another branch code of the same bank usually still arrives, because banks match the account number, but it can be delayed or returned, so always use the exact code.
Data as of 1 September 2026. Sources