Utkarsh Small Finance Bank
LUCKNOW BRANCH
+919792014222
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 LUCKNOW
branch of Utkarsh Small Finance Bank, the code UTKS0001501 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 UTKS0001501 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 LUCKNOW
Payment Systems Supported by UTKS0001501
| 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—226762002—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 LUCKNOW typically follows the RBI holiday calendar. Digital transfers via UTKS0001501 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 UTKS0001501 is the valid code for LUCKNOW at LUCKNOW, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
- • Utkarsh Small Finance Bank Branch List
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Financial Tools
- • GST Calculator Online
- • Personal Loan EMI Calc
- • FD Interest Rates 2026
- • Currency Converter
Branch Context
- • LUCKNOW Contact
- • Address of Utkarsh Small Finance Bank
- • MICR Code Finder
- • UTTAR PRADESH Banking Circle
Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
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