Utkarsh Small Finance Bank – PHULWARIYA – BIHAR
Last verified: 27-10-2026
IFSC Code: UTKS0001256
MICR Code: 851762104
Branch details
Address: AWADH TRIBUTE ROAD PHULWARIYA POST OFFICE BARAUNI DISTRICT BEGUSARAI BIHAR PIN CODE 851112
City: PHULWARIYA
State: BIHAR
Contact: +919576068912
How to Use IFSC Code ‘UTKS0001256’ for Bank Transfers
UTKS0001256 is the IFSC code for the Utkarsh Small Finance Bank. The IFSC is used to identify the beneficiary bank branch for electronic fund transfers such as NEFT and RTGS.
NEFT
To send money through NEFT, enter the beneficiary’s:
- Account holder name
- Bank account number
- IFSC code: UTKS0001256
- Bank name: Utkarsh Small Finance Bank
- Branch name: PHULWARIYA
Make sure the account number and IFSC are correct before confirming the transaction. RBI guidance emphasizes the importance of providing correct beneficiary account details.
RTGS
RTGS transactions are available for amounts of ₹2 lakh and above, subject to applicable bank guidelines.
Enter UTKS0001256 as the beneficiary’s IFSC when your bank asks for the branch IFSC.
IMPS
IMPS can be used for instant bank transfers when supported by your bank. When adding a beneficiary, enter the correct Utkarsh Small Finance Bank account number and IFSC where your banking app requires it.
How to Verify UTKS0001256 Before Transferring Money
Before making a transfer:
- Confirm that the IFSC is UTKS0001256.
- Check that the bank name and branch match the beneficiary’s details.
- Carefully verify the account number.
- Confirm the beneficiary name shown by your banking application, where available.
- If you have any doubt, verify the details with the beneficiary or Utkarsh Small Finance Bank before sending money.
Important: An incorrect account number can result in funds being credited incorrectly. RBI guidance says the account number is relied upon for crediting the beneficiary, so it should be checked carefully.
Indian Financial System Code (IFSC): UTKS0001256
The IFSC is an 11-character alphanumeric code used to identify bank branches in India for electronic payment systems such as RTGS, NEFT, IMPS, and CFMS (managed by the Reserve Bank of India).
- The first four characters represent the bank name.
- The fifth character is always ‘0’ and is reserved for future use.
- The last six characters (001256) identify the specific branch.
MICR Code (Magnetic Ink Character Recognition): 851762104
The MICR code is a unique code printed on cheques using magnetic ink. It helps in the secure and faster processing and clearance of cheques by identifying the bank and branch.
