MUMBAI, MAHARASHTRA
IFSC Code
UTKS0001596
MICR Code
400762009
Branch
GHATKOPAR EAST
Bank
Utkarsh Small Finance Bank
District
MUMBAI
State
MAHARASHTRA
Contact
Not available
Address
UTKARSH SMALL FINANCE BANK,SHOP NO 4,5 GROUND FLOOR SAI VAIBHAV R B MEHTA ROAD VIKRANT CIRCLE GHATKOPAR E , MUMBAI - 400077
NEFT transfers to GHATKOPAR EAST, one of Utkarsh Small Finance Bank's branches in MUMBAI, 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 GHATKOPAR EAST almost immediately once processed, rather than waiting for the next settlement window.
IMPS is built for urgency: transfers to GHATKOPAR EAST clear in seconds rather than minutes or hours, and it works around the clock — useful outside NEFT/RTGS's usual processing windows.
A distinction that matters if you're transferring to GHATKOPAR EAST: 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 GHATKOPAR EAST 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). |
The IFSC code for Utkarsh Small Finance Bank's GHATKOPAR EAST branch in MUMBAI, MAHARASHTRA is UTKS0001596. This 11-character code is required for NEFT, RTGS, and IMPS transfers to any account held at this branch.
The MICR code for this branch is 400762009. MICR codes are used for cheque clearing, while the IFSC code (UTKS0001596) is what's needed for electronic transfers like NEFT and RTGS.
This branch is located at: UTKARSH SMALL FINANCE BANK,SHOP NO 4,5 GROUND FLOOR SAI VAIBHAV R B MEHTA ROAD VIKRANT CIRCLE GHATKOPAR E , MUMBAI - 400077. It falls under MUMBAI district, MAHARASHTRA.
Yes — the same IFSC code (UTKS0001596) 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.
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.
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.