UTKSBranch Code: 001608

Utkarsh Small Finance Bank IFSC Code

VARACHHA SURAT Branch, SURAT, SURAT, Gujarat

Primary IFSC Code

UTKS0001608

Banking information from our maintained dataset. Last Verified: 23 Sept 2026

The official Indian Financial System Code (IFSC) for Utkarsh Small Finance Bank, VARACHHA SURAT branch in SURAT, Gujarat is UTKS0001608. The MICR code for cheque clearance is 395762003.

Branch Fact Sheet & Electronic Routing Details

Bank Name: Utkarsh Small Finance Bank
Branch Name: VARACHHA SURAT
MICR Code: 395762003
City / District: SURAT (SURAT)
State: Gujarat
Postal Pincode: 395006

Full Branch Address

SHOP NO.2 GROUND FLOOR J R PLAZA,VARACHHA MAIN ROAD B/S,CNG PUMP SHREE JAIMAHALAXMI,SOCIETY CHIKUWADI NANA VARACHHA,SURAT PINCODE-395006 GUJARAT, Pincode: 395006

Contact Details

Phone: Refer to Net Banking

How to Read IFSC Code: UTKS0001608

An Indian Financial System Code (IFSC) is a unique 11-character alphanumeric code assigned by the Reserve Bank of India to identify bank branches for electronic payment systems.

UTKSBank Identifier

First 4 alphabetic characters identify Utkarsh Small Finance Bank.

0Control Character

5th character is always numeral '0', reserved for future use.

001608Branch Code

Last 6 alphanumeric characters identify the specific physical branch.

Payment Systems Supported by this IFSC Code

Payment System	Settlement Time	Minimum Amount	Availability	Ideal For
NEFT (National Electronic Funds Transfer)	Half-hourly batches	₹1 (No minimum)	24x7x365	Routine bills, small & medium transactions
RTGS (Real Time Gross Settlement)	Real-time instant	₹2,00,000	24x7x365	High-value urgent financial transfers
IMPS (Immediate Payment Service)	Immediate	₹1 (Max ₹5 Lakh)	24x7x365	Instant mobile banking & emergency transfers

Both NEFT and RTGS operate around the clock in India. Always double check the 11-digit IFSC code and recipient account number before submitting your transfer.

Frequently Asked Questions: Utkarsh Small Finance Bank (UTKS0001608)

What is the IFSC Code for Utkarsh Small Finance Bank VARACHHA SURAT branch?

The IFSC Code for Utkarsh Small Finance Bank VARACHHA SURAT branch in SURAT, Gujarat is UTKS0001608. It is used for NEFT, RTGS, and IMPS funds transfer.

What is the address of Utkarsh Small Finance Bank VARACHHA SURAT branch?

The branch is located at: SHOP NO.2 GROUND FLOOR J R PLAZA,VARACHHA MAIN ROAD B/S,CNG PUMP SHREE JAIMAHALAXMI,SOCIETY CHIKUWADI NANA VARACHHA,SURAT PINCODE-395006 GUJARAT, Pincode: 395006, SURAT, Gujarat.

What is the MICR Code for Utkarsh Small Finance Bank VARACHHA SURAT?

The MICR Code for electronic cheque clearing at Utkarsh Small Finance Bank VARACHHA SURAT is 395762003.

How to decipher the IFSC code UTKS0001608?

The first 4 characters 'UTKS' represent Utkarsh Small Finance Bank. The 5th character is '0' reserved for future use. The last 6 characters '001608' represent the specific VARACHHA SURAT branch code.