Utkarsh Small Finance Bank
SILIGURI WEST BENGAL BRANCH
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 SILIGURI WEST BENGAL
branch of Utkarsh Small Finance Bank, the code UTKS0001614 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 UTKS0001614 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 SILIGURI WEST BENGAL
Payment Systems Supported by UTKS0001614
| 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—734762002—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 SILIGURI typically follows the RBI holiday calendar. Digital transfers via UTKS0001614 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 UTKS0001614 is the valid code for SILIGURI WEST BENGAL at SILIGURI, 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
- • SILIGURI WEST BENGAL Contact
- • Address of Utkarsh Small Finance Bank
- • MICR Code Finder
- • WEST BENGAL Banking Circle
Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
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