Utkarsh Small Finance Bank — GHANGHRI Branch

How to Use UTKS0001804 for Money Transfers

The IFSC code UTKS0001804 is specifically assigned to the GHANGHRI branch of Utkarsh Small Finance Bank located in HT, JHARKHAND. This unique code is mandatory for routing electronic payments correctly within India.

NEFT Transfer

Use UTKS0001804 when adding this branch as a beneficiary in NEFT transactions. NEFT operates in half-hourly batches from 12:30 AM to 12:00 AM on all days. Enter the IFSC, account number, and account holder name carefully to ensure successful transfer.

RTGS Transfer

For high-value transactions above ₹2 lakh, RTGS offers real-time gross settlement. Use UTKS0001804 along with the beneficiary's exact account number. RTGS is available on working days from 7:00 AM to 6:00 PM.

IMPS & UPI

IMPS and UPI allow instant 24×7 transfers. While UPI apps often auto-resolve the IFSC from the VPA, mobile banking apps require UTKS0001804 when registering a new beneficiary.

Always double-check the account number before confirming any transfer — the IFSC routes funds to the correct branch, but the account number specifies the exact recipient.

About Utkarsh Small Finance Bank GHANGHRI Branch

The GHANGHRI branch of Utkarsh Small Finance Bank is situated in HT, JHARKHAND. The branch address is UTKARSH SMALL FINANCE BANK LTD,NH -99 CHATRA TO GAYA ROAD NEAR,AUTO STAND GHANGHRI,DISTRICT -CHATRA JHARKHAND,PIN CODE -825401. This branch supports electronic payment services including NEFT, RTGS, IMPS, and UPI. Always use the IFSC code UTKS0001804 when making any online fund transfer to an account held at this branch.