Ujjivan Small Finance Bank
KHARADI BRANCH
+918040712166
Understanding IFSC Code: The Digital DNA of Ujjivan Small Finance Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the KHARADI
branch of Ujjivan Small Finance Bank, the code UJVN0004432 ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the UJVN0004432 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"UJVN" represents Ujjivan Small Finance Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for KHARADI
Payment Systems Supported by UJVN0004432
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code—411761006—is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The Ujjivan Small Finance Bank in PUNE typically follows the RBI holiday calendar. Digital transfers via UJVN0004432 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While UJVN0004432 is the valid code for KHARADI at PUNE, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
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Financial Tools
- • GST Calculator Online
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- • FD Interest Rates 2026
- • Currency Converter
Branch Context
- • KHARADI Contact
- • Address of Ujjivan Small Finance Bank
- • MICR Code Finder
- • MAHARASHTRA Banking Circle
Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
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