Utkarsh Small Finance Bank — KARNAL

KARNAL, HARYANA

IFSC Code

UTKS0001250

MICR Code

132762102

Branch

KARNAL

Bank

Utkarsh Small Finance Bank

District

KARNAL

State

HARYANA

Contact

+917082018702

Address

HOUSE NO.161,SANT NAGAR,KAITHAL ROAD,DISTRICT - KARNAL,STATE - HARYANA,PIN CODE-132001

Get Directions to This Branch

Using IFSC UTKS0001250 for money transfers

NEFT transfers to KARNAL, one of Utkarsh Small Finance Bank's branches in KARNAL, are batch-processed rather than instant. Most transfers clear within 30 minutes to a couple of hours during banking hours, and NEFT now runs 24x7 on all days including weekends.

RTGS (Real Time Gross Settlement) is built for high-value transfers — ₹2 lakh and above — and settles individually rather than in batches, so money reaches KARNAL almost immediately once processed, rather than waiting for the next settlement window.

IMPS is built for urgency: transfers to KARNAL clear in seconds rather than minutes or hours, and it works around the clock — useful outside NEFT/RTGS's usual processing windows.

NEFT & RTGS Timing — System Hours vs. Branch Hours

A distinction that matters if you're transferring to KARNAL: the RBI settlement system runs 24x7 for NEFT and RTGS, but that doesn't mean this specific branch is open around the clock. Online transfers process any time; in-person or cash-based requests still depend on the branch actually being open.

MethodSystem HoursIf Visiting KARNAL In Person
NEFT24x7x365, including weekends and holidays (RBI mandate since 16 Dec 2019)Online/net-banking NEFT processes any time. An in-branch, cash, or cheque-based NEFT request still depends on that branch's working hours.
RTGS24x7x365, including weekends and holidays (RBI mandate since 14 Dec 2020)Minimum transfer amount is ₹2 lakh. Same system-vs-branch-hours distinction as NEFT applies for in-person requests.
IMPS24x7x365 — always has been, no banking-hours restriction at the system level.Typically capped per transaction depending on your bank's own limits (often around ₹5 lakh).

Follow these steps to transfer money into an account held at KARNAL:

  1. Log in to your bank's net banking portal or mobile banking app.
  2. Add a new beneficiary/payee, entering the recipient's full name and account number.
  3. Enter the IFSC code UTKS0001250 when prompted — this routes the transfer to KARNAL specifically.
  4. Most banks require a short cooling-off period (often a few hours) after adding a new beneficiary before the first transfer.
  5. Once the beneficiary is active, choose NEFT, RTGS, or IMPS based on the amount and how quickly you need it to arrive.
  6. Enter the amount, review the details (name, account number, IFSC), and confirm with your OTP/PIN.

Frequently asked questions

What is the IFSC code of the Utkarsh Small Finance Bank KARNAL branch?

The IFSC code for Utkarsh Small Finance Bank's KARNAL branch in KARNAL, HARYANA is UTKS0001250. This 11-character code is required for NEFT, RTGS, and IMPS transfers to any account held at this branch.

What is the MICR code of this branch?

The MICR code for this branch is 132762102. MICR codes are used for cheque clearing, while the IFSC code (UTKS0001250) is what's needed for electronic transfers like NEFT and RTGS.

Where is the KARNAL branch of Utkarsh Small Finance Bank located?

This branch is located at: HOUSE NO.161,SANT NAGAR,KAITHAL ROAD,DISTRICT - KARNAL,STATE - HARYANA,PIN CODE-132001. It falls under KARNAL district, HARYANA.

Can I use this IFSC code for both NEFT and RTGS transfers?

Yes — the same IFSC code (UTKS0001250) is used for NEFT, RTGS, and IMPS transfers to this branch. Which one you should pick depends on the amount and urgency, not the code itself: RTGS for ₹2 lakh+ needing near-instant settlement, NEFT for regular batch-processed transfers, and IMPS for smaller amounts that need to land in seconds.

Is there a phone number for this branch?

Yes, this branch's listed contact number is +917082018702.

Other Utkarsh Small Finance Bank branches in KARNAL

KARNAL

Utkarsh Small Finance Bank in other districts of HARYANA

GURUGRAM (4)AMBALA (3)FARIDABAD (2)KURUKSHETRA (2)SONIPAT (2)ASSANDH (1)BAHADURGARH (1)BALLABHGARH, FARIDABAD (1)

IFSC and MICR code data sourced from bank-published branch records. While we take care to keep this current, always confirm the IFSC code with your bank before making a large transfer — see our disclaimer for details.