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Utkarsh Small Finance Bank

MOGAPPAIR CHENNAI BRANCH

+918001239878

IFSC CODE
UTKS0001686
MICR Code 600762006
Branch Code 001686
City / District CHENNAI
State TAMIL NADU
Office Address GRD FLR BLK NO10 PLT NO14 SURVEYNO 319-330 PRT DR.PURTCHI THALAIVI JJAYALALITHA NAGR EST THIRUVALLUVAR SALAI NR 7H BUS STP MOGAPPAIR EST CHENNAI TAMIL NADU 600037
Phone +918001239878
📍 View Branch on Google Maps

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 MOGAPPAIR CHENNAI branch of Utkarsh Small Finance Bank, the code UTKS0001686 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 UTKS0001686 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 MOGAPPAIR CHENNAI

Payment Systems Supported by UTKS0001686

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—600762006—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 CHENNAI typically follows the RBI holiday calendar. Digital transfers via UTKS0001686 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 UTKS0001686 is the valid code for MOGAPPAIR CHENNAI at CHENNAI, 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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Branch Context

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Platform Links

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