Utkarsh Small Finance Bank • BHAGALPUR, Bihar

MASHAK CHAK IFSC Code

Find the IFSC code (UTKS0001261), MICR (812762003), branch address, contact details, and banking information for Utkarsh Small Finance Bank MASHAK CHAK branch in BHAGALPUR, Bihar.

Official 11-Digit IFSC Code UTKS0001261
IFSC format valid • Source: RBI Public Register
Last verified: 24 Sep 2026
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Branch Details

Bank Name Utkarsh Small Finance Bank
Branch Name MASHAK CHAK
IFSC Code UTKS0001261
MICR Code 812762003
City / Town BHAGALPUR
District BHAGALPUR
State Bihar
Postal PIN Code Not available
Branch Address
WARD NO.7(OLD ) AND 20 ( NEW ) MAUZA MASHAKCHAK P.S.ADAMPUR DISTRICT BHAGALPUR UNDER MUNICIPAL CORPORATION BHAGAPUR STATE-BIHAR PIN CODE-812001
Phone / Contact
Branch Direct: +918271271538
Verified Bank Helplines

Banking Status & State Holidays

Regular Working Day Last checked: 24 Sep 2026
Typical banking hours: 10:00 AM – 4:00 PM (subject to branch-specific schedules and local changes) in Bihar. Regular banking hours are typically 10:00 AM – 4:00 PM, subject to branch-specific schedules and administrative changes. Digital payment systems (NEFT, RTGS, IMPS, UPI) are generally operational round-the-clock per RBI/NPCI guidelines, subject to individual bank processing, system maintenance, and account limits.
Upcoming Bank Holidays in Bihar

Commercial banks observe weekly holidays on Sundays, 2nd & 4th Saturdays, and state-notified Negotiable Instruments Act holidays:

Date Day Holiday / Observance Type
26 Sep 2026 Saturday Fourth Saturday Bank Holiday RBI Banking Holiday
02 Oct 2026 Friday Mahatma Gandhi Jayanti National Holiday
10 Oct 2026 Saturday Second Saturday Bank Holiday RBI Banking Holiday
20 Oct 2026 Tuesday Dussehra Bihar State Gazetted
24 Oct 2026 Saturday Fourth Saturday Bank Holiday RBI Banking Holiday

IFSC Code Structure

The 11-character Indian Financial System Code (IFSC) is structured into three standardized components:

UTKS Bank Code (Utkarsh Small Finance Bank)
0 Control Zero (Reserved)
001261 Branch Identifier
CTS-2010 Cheque MICR Code Breakdown
CTS-2010 Standard

The 9-digit MICR (Magnetic Ink Character Recognition) code printed on cheque leaves allows high-speed mechanical sorting:

812 Digits 1-3: City Code
762 Digits 4-6: Bank Code
003 Digits 7-9: Branch Code
Cheque No. "102450"
MICR Code (9 Digits) 812762003
RBI Account ID 000240
Transaction Code 10

Nearby Utkarsh Small Finance Bank Branches in BHAGALPUR

View All State Branches →

Other Utkarsh Small Finance Bank branches located in and around BHAGALPUR:

Branch Name IFSC Code MICR City Action
KAHALGAON UTKS0001281 812762004 BHAGALPUR View →
SULTANGANJ UTKS0001282 812762005 BHAGALPUR View →
BHAGALPUR UTKS0001511 812762002 BHAGALPUR View →
PIRPAINTI UTKS0001912 813762102 HGPR View →

Other Banks Operating in BHAGALPUR

8 Banks

Explore branches and IFSC routing codes for other banks located in BHAGALPUR, Bihar:

UCO Bank 56 branches
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State Bank of India 42 branches
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Bank of Baroda 15 branches
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Punjab National Bank 14 branches
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Union Bank of India 13 branches
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Bank of India 12 branches
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Canara Bank 11 branches
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Indian Bank 11 branches
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Branch Summary
  • Bank Code UTKS
  • Branch Code 001261
  • Clearing System NEFT / RTGS / IMPS
  • City BHAGALPUR
  • State Bihar
About Utkarsh Small Finance Bank

One of India’s registered financial institutions authorized by the Reserve Bank of India to provide banking and electronic payment services.

View Utkarsh Small Finance Bank Profile & Branches (1,118)
State Directory

Explore all registered bank branches and IFSC codes in Bihar.

Browse Bihar Branches

Fund Transfer Options & Guidelines

Electronic transfers to Utkarsh Small Finance Bank are supported across national payment clearing networks:

UPI Charges Guide →
IMPS
Immediate Payment

Instant 24x7 interbank electronic fund transfer managed by NPCI.

Speed: Instant (Real-Time)
Limit: ₹1 – ₹5,00,000 / day
Charges: ₹2.50 – ₹15 + GST
Timing: 24x7 x 365
NEFT
National Transfer

Nationwide batch transfer system operated directly by the RBI.

Speed: Every 30 Minutes
Limit: No Min / Max Limit
Charges: 100% FREE Online
Timing: 24x7 x 365
RTGS
Gross Settlement

High-value gross settlement processed continuously by the RBI.

Speed: Instant Real-Time
Limit: Min ₹2 Lakh (No Max)
Charges: 100% FREE Online
Timing: 24x7 x 365
UPI / QR
Unified Payments

Instant mobile payments via VPA, phone number, or QR code.

Speed: Instant Real-Time
Limit: Up to ₹1,00,000 / txn
Charges: FREE for Individuals
Timing: 24x7 x 365
RBI Regulatory Guidance: Per Reserve Bank of India (RBI) notifications, banks do not levy any transaction fees on online NEFT and RTGS fund transfers initiated via internet banking or mobile apps for retail savings accounts. All electronic clearing systems operate 24x7 throughout the year.

How to Transfer Funds Using IFSC UTKS0001261

1
Add Beneficiary

Login to your bank portal or app. Go to Fund Transfer → Add Beneficiary. Enter Account Name, Number, and IFSC: UTKS0001261.

2
Cooling Period

Banks enforce a security cooling period (30 mins to 4 hours) for new beneficiaries before large transfers can be initiated.

3
Select Transfer Mode

Choose IMPS for instant transfers up to ₹5 Lakh, NEFT for standard transfers, or RTGS for amounts of ₹2 Lakh and above.

4
Authorize & Save UTR

Confirm the transfer using OTP or MPIN. Always save the generated Unique Transaction Reference (UTR / RRN) number for future tracking.

What Happens If You Enter an Incorrect IFSC Code?
  • If the IFSC does not exist: The payment gateway will reject the transaction immediately before any amount is deducted from your account.
  • If the IFSC belongs to another branch of Utkarsh Small Finance Bank: As long as the beneficiary account number is unique and valid within the core banking system, the transfer usually succeeds.
  • If both the IFSC and account number belong to an unintended valid person: The funds will be credited to that account. In such a scenario, contact your home branch immediately with the transaction UTR number to initiate a retrieval process.

Frequently Asked Questions: MASHAK CHAK Branch

The IFSC code for Utkarsh Small Finance Bank MASHAK CHAK is UTKS0001261. It is an 11-digit alphanumeric code assigned by the Reserve Bank of India to route electronic fund transfers to this branch location in BHAGALPUR.
The 9-digit MICR code for MASHAK CHAK branch is 812762003. MICR (Magnetic Ink Character Recognition) is printed at the bottom of cheque leaves and enables automated high-speed cheque clearing through RBI CTS-2010 sorting machines.
Standard banking hours are typically 10:00 AM to 4:00 PM IST on regular business days. Branches are closed on Sundays, the 2nd and 4th Saturdays of every month, and state-declared public holidays under the Negotiable Instruments Act.
No. IFSC codes are strictly for domestic transactions within India (NEFT, RTGS, IMPS). For inward foreign remittances from abroad, you require Utkarsh Small Finance Bank's international SWIFT / BIC Code and the corresponding NOSTRO clearing routing details.
Consumers and individuals pay ₹0 (100% free) on all UPI transactions. Under NPCI rules, a 0.4% Merchant Discount Rate (MDR) applies strictly to commercial merchants for P2M transactions above ₹2,000 (capped at ₹300), while small merchants earning up to ₹1 Lakh/month and all P2P transfers are completely exempt.
On a standard CTS-2010 cheque, the IFSC code is printed at the top-center or top-left corner adjacent to the bank logo and branch address. On a passbook, it is displayed on the first account profile page along with your Customer ID and Account Number.
Data Source & Editorial Disclosure

Branch records, IFSC codes, and address information are sourced from public master directories published by the Reserve Bank of India (RBI.org.in) . Read our Data Methodology →

Legal Non-Affiliation Disclaimer: This website is an independent informational directory. We are not affiliated with, endorsed by, or sponsored by the Reserve Bank of India (RBI) or Utkarsh Small Finance Bank. Always verify beneficiary details before authorizing electronic fund transfers.

Found inaccurate information, changed phone numbers, or updated procedures?