Utkarsh Small Finance Bank
SAGUNA MORE BRANCH
+919102405957
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 SAGUNA MORE
branch of Utkarsh Small Finance Bank, the code UTKS0001377 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 UTKS0001377 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"UTKS" represents Utkarsh Small Finance Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for SAGUNA MORE
Payment Systems Supported by UTKS0001377
| 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—800762002—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 PATNA typically follows the RBI holiday calendar. Digital transfers via UTKS0001377 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 UTKS0001377 is the valid code for SAGUNA MORE at PATNA, 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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Branch Context
- • SAGUNA MORE Contact
- • Address of Utkarsh Small Finance Bank
- • MICR Code Finder
- • BIHAR Banking Circle
Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
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