Utkarsh Small Finance Bank — KANGRA

KANGRA, HIMACHAL PRADESH

IFSC Code

UTKS0001640

MICR Code

176762152

Branch

KANGRA

Bank

Utkarsh Small Finance Bank

District

KANGRA HIMACHAL PRADESH

State

HIMACHAL PRADESH

Contact

Not available

Address

GROUND FLOOR KHASRA NO-113 115 117 118 WARD NO-9 OPPOSITE GOVT.POLYTECHNIC DHARAMSHALA ROAD KANGRA HIMACHAL PRADESH-176001

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Using IFSC UTKS0001640 for money transfers

To move funds into an account held at KANGRA (Utkarsh Small Finance Bank) using NEFT, the sender's bank needs this branch's IFSC code — UTKS0001640. NEFT settles in batches throughout the day, so it's a good fit for transfers that don't need to land instantly.

RTGS is the go-to option when transferring large sums (₹2 lakh+) to KANGRA in KANGRA, since each transfer is settled individually and immediately rather than bundled with others.

Need money at Utkarsh Small Finance Bank, KANGRA right now? IMPS settles instantly, 24x7, including weekends and holidays — unlike NEFT/RTGS, which follow banking-hour batch or settlement windows.

NEFT & RTGS Timing — System Hours vs. Branch Hours

A distinction that matters if you're transferring to KANGRA: 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.

Method	System Hours	If Visiting KANGRA In Person
NEFT	24x7x365, 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.
RTGS	24x7x365, 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.
IMPS	24x7x365 — 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).

Sending funds to this Utkarsh Small Finance Bank branch takes just a few steps:

Log in to your bank's net banking portal or mobile banking app.
Add a new beneficiary/payee, entering the recipient's full name and account number.
Enter the IFSC code UTKS0001640 when prompted — this routes the transfer to KANGRA specifically.
Most banks require a short cooling-off period (often a few hours) after adding a new beneficiary before the first transfer.
Once the beneficiary is active, choose NEFT, RTGS, or IMPS based on the amount and how quickly you need it to arrive.
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 KANGRA branch?

The IFSC code for Utkarsh Small Finance Bank's KANGRA branch in KANGRA, KANGRA HIMACHAL PRADESH, HIMACHAL PRADESH is UTKS0001640. 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 176762152. MICR codes are used for cheque clearing, while the IFSC code (UTKS0001640) is what's needed for electronic transfers like NEFT and RTGS.

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

This branch is located at: GROUND FLOOR KHASRA NO-113 115 117 118 WARD NO-9 OPPOSITE GOVT.POLYTECHNIC DHARAMSHALA ROAD KANGRA HIMACHAL PRADESH-176001. It falls under KANGRA HIMACHAL PRADESH district, HIMACHAL PRADESH.

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

Yes — the same IFSC code (UTKS0001640) 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?

A direct contact number isn't listed for this branch in our records. Your best options are Utkarsh Small Finance Bank's national customer care line or the nearest branch locator on the bank's official website.

Utkarsh Small Finance Bank in other districts of HIMACHAL PRADESH

BADDI HIMACHAL PRADESH (1)SIRMAUR (1)SOLAN (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.