Utkarsh Small Finance Bank Jp Nagar Bengaluru IFSC Code
Utkarsh Small Finance Bank
IFSC · Used for NEFT, IMPS & RTGS
MICR · Used for Cheque Clearance
Branch
Jp Nagar Bengaluru
Address
Utkarsh Small Finance Bank Shop No.ground Floor-1105 Archana Arcade 24th Main 1st Phase J.p.nagarbengaluru Karnataka Pin-560078
View on Google MapsDistrict
Bengaluru
State
Karnataka
🔍 Search for another branch
Top Financial Tools for Utkarsh Small Finance Bank Customers
Free calculators — no login required
Utkarsh Small Finance Bank Home Loan EMI Calculator
Calculate EMI, total interest & amortisation schedule
Utkarsh Small Finance Bank SIP Calculator
Project wealth from monthly mutual fund investments
Utkarsh Small Finance Bank FD Calculator
Estimate fixed deposit maturity with quarterly compounding
Utkarsh Small Finance Bank Car Loan EMI Calculator
Find your monthly instalment & total loan cost
Other Utkarsh Small Finance Bank Branches in Bengaluru
1 nearby branch — click to view IFSC
Frequently Asked Questions
About Utkarsh Small Finance Bank Jp Nagar Bengaluru (main 1st Phase J P - 1595), Bengaluru
The IFSC code UTKS0001595 (lowercase: utks0001595) belongs to Utkarsh Small Finance Bank, specifically the Jp Nagar Bengaluru (main 1st Phase J P - 1595) branch located in Bengaluru, Karnataka.
The 5th character in the IFSC code UTKS0001595 is a zero (0), not the letter 'O'. The correct format is UTKS0001595 (lowercase: utks0001595), and not UTKSO001595. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of Utkarsh Small Finance Bank Jp Nagar Bengaluru (main 1st Phase J P - 1595) in Bengaluru, Karnataka is UTKS0001595. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Utkarsh Small Finance Bank Jp Nagar Bengaluru (main 1st Phase J P - 1595) is located at Utkarsh Small Finance Bank Shop No.ground Floor-1105 Archana Arcade 24th Main 1st Phase J.p.nagarbengaluru Karnataka Pin-560078, Bengaluru, Karnataka. You can click the "View on Google Maps" button on this page to get directions.
The MICR (Magnetic Ink Character Recognition) code of Utkarsh Small Finance Bank Jp Nagar Bengaluru (main 1st Phase J P - 1595) is 560762002. MICR codes are used for cheque processing and are printed at the bottom of cheque leaves in magnetic ink.
Yes. IFSC code UTKS0001595 is valid for all three RBI-regulated transfer modes: NEFT (settled in 30-minute batches, no minimum), RTGS (real-time, minimum ₹2 lakh), and IMPS (instant, up to ₹5 lakh). All modes are available 24×7×365 as per RBI guidelines issued in December 2019.
You can verify IFSC code UTKS0001595 by checking: (1) The top-left corner of any Utkarsh Small Finance Bank Jp Nagar Bengaluru (main 1st Phase J P - 1595) cheque leaf, (2) The first page of your Utkarsh Small Finance Bank passbook, (3) Your net banking or mobile banking app under "Branch Details", or (4) The RBI's official IFSC lookup at rbi.org.in.
Understanding IFSC Code: UTKS0001595
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
Swipe to see all
UTKS0001595
What Each Part Means
- Bank Code — UTKS
- The first 4 characters uniquely identify Utkarsh Small Finance Bank at the national level. Every branch of Utkarsh Small Finance Bank across all states shares this same prefix. It is assigned by the RBI and never changes.
- Reserved — 0
- The 5th character is always 0 (zero), reserved by the RBI for future use. It acts as a separator between the bank identifier and the branch-specific code and is mandatory in all electronic fund transfer systems.
- Branch Code — 001595
- The final 6 characters 001595 uniquely identify this specific branch within the Utkarsh Small Finance Bank network. No two branches share the same branch code. Use this code to verify you have the correct branch before initiating any NEFT, RTGS, or IMPS transfer.
| Segment | Chars | Value | Purpose |
|---|---|---|---|
| Bank Code | 1–4 | UTKS | Identifies Utkarsh Small Finance Bank |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | 001595 | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
Swipe left to view full cheque
Utkarsh Small Finance Bank
Jp Nagar Bengaluru (main 1st Phase J P - 1595), Bengaluru, Karnataka
Cheque No.
00001595
A/c No.
Authorised Signatory
IFSC vs MICR — Functional Comparison
Two different codes, two different banking systems
| Feature | IFSC Code | MICR Code |
|---|---|---|
| Full Form | Indian Financial System Code | Magnetic Ink Character Recognition |
| Length & Format | 11 characters — alphanumeric | 9 digits — numeric only |
| This Branch | UTKS0001595 | 560762002 |
| Primary Use | Electronic fund transfers: NEFT, RTGS, IMPS, UPI | Physical cheque clearing at clearing houses |
| Medium | Digital / online — no physical document needed | Printed in magnetic ink on cheque leaf bottom band |
| Processing Speed | Real-time (IMPS/UPI) or 30-min batches (NEFT) | T+1 or T+2 clearing cycle via RBI clearing houses |
| Where to Find It | Cheque leaf (top area), passbook first page, net banking | Bottom band of cheque leaf (the printed magnetic strip) |
| Assigned By | RBI — permanent unless branch is relocated/merged | RBI — encodes city (3) + bank (3) + branch (3) digits |
| Required For | Adding a payee / beneficiary for online transfer | Cheque book issuance and clearing house processing |
Source: Reserve Bank of India (RBI) Payment Systems Guidelines. IFSC mandatory for NEFT/RTGS/IMPS since 2010; MICR used by CTS-2010 standard cheque clearing.