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Utkarsh Small Finance Bank

CHANDI BRANCH

+917033693949

IFSC CODE
UTKS0001235
MICR Code 803762004
Branch Code 001235
City / District NALANDA
State BIHAR
Office Address VILLAGE - BHAGWANPUR,PARAGANA - PILICH,P.S - CHANDI,DISTRICT - NALANDA,STATE - BIHAR,PIN CODE - 803108,KHATA NO - 146,KHESARA NO - 208,THANA NO - 294
Phone +917033693949
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Understanding IFSC Code: The Digital DNA of Utkarsh Small Finance Bank

When performing any digital transaction in India, the Indian Financial System Code (IFSC) acts as a critical identifier. For the CHANDI branch of Utkarsh Small Finance Bank, the code UTKS0001235 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 UTKS0001235 Code

An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:

First 4

Bank Identity

"UTKS" represents Utkarsh Small Finance Bank

5th Digit

Control Character

Always '0' (Reserved for future use)

Last 6

Branch Locator

Unique code for CHANDI

Payment Systems Supported by UTKS0001235

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—803762004—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 Utkarsh Small Finance Bank in NALANDA typically follows the RBI holiday calendar. Digital transfers via UTKS0001235 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 UTKS0001235 is the valid code for CHANDI at NALANDA, ensure the beneficiary name matches perfectly in your mobile banking app.

RBI Verified NEFT Enabled RTGS 24x7

Bank Search Indexing & Metadata

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Financial Tools

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Branch Context

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  • • MICR Code Finder
  • • BIHAR Banking Circle

Platform Links

  • • Anand Design DevBox
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  • • IFSC Finder v2.0

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