Utkarsh Small Finance Bank — BAHARAGORA

PURBI SINGHBHUM, JHARKHAND

IFSC Code

UTKS0002015

MICR Code

832762004

Branch

BAHARAGORA

Bank

Utkarsh Small Finance Bank

District

PURBI SINGHBHUM

State

JHARKHAND

Contact

Not available

Address

UTKARSH SMALL FINANCE BANK LTD.GROUND FLOOR BAHARAGORA TO MOHULDANGRIROAD NEAR BOI MOHANPURA BAHARAGORA DIST-PURBI SINGHBHUM JHARKHAND -832101

Get Directions to This Branch

Using IFSC UTKS0002015 for money transfers

NEFT transfers to BAHARAGORA, one of Utkarsh Small Finance Bank's branches in PURBI SINGHBHUM, 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 BAHARAGORA almost immediately once processed, rather than waiting for the next settlement window.

IMPS is built for urgency: transfers to BAHARAGORA 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 BAHARAGORA: 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 BAHARAGORA 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 UTKS0002015 when prompted — this routes the transfer to BAHARAGORA 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 BAHARAGORA branch?

The IFSC code for Utkarsh Small Finance Bank's BAHARAGORA branch in PURBI SINGHBHUM, JHARKHAND is UTKS0002015. 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 832762004. MICR codes are used for cheque clearing, while the IFSC code (UTKS0002015) is what's needed for electronic transfers like NEFT and RTGS.

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

This branch is located at: UTKARSH SMALL FINANCE BANK LTD.GROUND FLOOR BAHARAGORA TO MOHULDANGRIROAD NEAR BOI MOHANPURA BAHARAGORA DIST-PURBI SINGHBHUM JHARKHAND -832101. It falls under PURBI SINGHBHUM district, JHARKHAND.

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

Yes — the same IFSC code (UTKS0002015) 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 JHARKHAND

RANCHI (5)DUMKA (4)HAZARIBAGH (4)PALAMU (4)BOKARO (3)GRIDIH (3)JHARKHAND (3)CHATRA (2)

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.