Utkarsh Small Finance Bank — RAMKOLA

KUSHI NAGAR, UTTAR PRADESH

IFSC Code

UTKS0002006

MICR Code

274762009

Branch

RAMKOLA

Bank

Utkarsh Small Finance Bank

District

KUSHI NAGAR

State

UTTAR PRADESH

Contact

Not available

Address

UTKARSH SMALL FINANCE BANK LTD.GROUND FLOOR KAPTANGANJ ROAD INFRONT OF KEDIYA SHOW ROOM RAMKOLA DIST KUSHINAGAR UTTAR PRADESH-274305

Get Directions to This Branch

Using IFSC UTKS0002006 for money transfers

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

IMPS is built for urgency: transfers to RAMKOLA 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 RAMKOLA: 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 RAMKOLA 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).

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

  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 UTKS0002006 when prompted — this routes the transfer to RAMKOLA 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 RAMKOLA branch?

The IFSC code for Utkarsh Small Finance Bank's RAMKOLA branch in KUSHI NAGAR, UTTAR PRADESH is UTKS0002006. 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 274762009. MICR codes are used for cheque clearing, while the IFSC code (UTKS0002006) is what's needed for electronic transfers like NEFT and RTGS.

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

This branch is located at: UTKARSH SMALL FINANCE BANK LTD.GROUND FLOOR KAPTANGANJ ROAD INFRONT OF KEDIYA SHOW ROOM RAMKOLA DIST KUSHINAGAR UTTAR PRADESH-274305. It falls under KUSHI NAGAR district, UTTAR PRADESH.

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

Yes — the same IFSC code (UTKS0002006) 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.

Other Utkarsh Small Finance Bank branches in KUSHI NAGAR

BHAINSAHI

Utkarsh Small Finance Bank in other districts of UTTAR PRADESH

GORAKHPUR (14)VARANASI (14)MIRZAPUR (12)DEORIA (9)ALLAHABAD (8)JAUNPUR (8)PRAYAGRAJ (8)AZAMGARH (5)

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.