Utkarsh Small Finance Bank
DALTONGANJ BRANCH
+917541811475
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 DALTONGANJ
branch of Utkarsh Small Finance Bank, the code UTKS0001432 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 UTKS0001432 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 DALTONGANJ
Payment Systems Supported by UTKS0001432
| 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—822762002—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 DALTONGANJ typically follows the RBI holiday calendar. Digital transfers via UTKS0001432 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 UTKS0001432 is the valid code for DALTONGANJ at DALTONGANJ, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
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Financial Tools
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Branch Context
- • DALTONGANJ Contact
- • Address of Utkarsh Small Finance Bank
- • MICR Code Finder
- • JHARKHAND Banking Circle
Platform Links
- • Anand Design DevBox
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- • Webmaster Tools
- • IFSC Finder v2.0
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