How many Utkarsh Small Finance Bank branches are located in Jammu and Kashmir?

Utkarsh Small Finance Bank operates 3 active authorized branches across 2 districts in Jammu and Kashmir.

What is the IFSC code format for Utkarsh Small Finance Bank branches in Jammu and Kashmir?

All Utkarsh Small Finance Bank branches in Jammu and Kashmir have an 11-digit alphanumeric code starting with UTKS0 followed by 6 unique branch characters.

RBI Registry Verified Regular Working Day Updated September 2026

3 Branches in Jammu and Kashmir

Utkarsh Small Finance Bank • Jammu and Kashmir State Directory

Utkarsh Small Finance Bank Branches & IFSC Codes in Jammu and Kashmir

Q: Are Utkarsh Small Finance Bank branches open today in Jammu and Kashmir?

Today (25 Sep 2026) branches in Jammu and Kashmir are: Regular Working Day (Typical banking hours: 10:00 AM – 4:00 PM (subject to branch-specific schedules and local changes)). Digital payment systems (NEFT, RTGS, IMPS, UPI) are generally available round-the-clock per RBI/NPCI guidelines, subject to individual bank processing and maintenance windows.

3 Branches 2 Districts IFSC Prefix: UTKS

Find verified Utkarsh Small Finance Bank branch IFSC codes, MICR numbers, and locations across 3 branches in Jammu and Kashmir.

About Utkarsh Small Finance Bank Branches in Jammu and Kashmir

Utkarsh Small Finance Bank operates authorized branches across Jammu and Kashmir. Each location has an assigned 11-character IFSC code for electronic payment settlement via NEFT, RTGS, and IMPS.

For transfers to any Utkarsh Small Finance Bank account in Jammu and Kashmir, enter the beneficiary account number, payee name, and the branch-specific IFSC code listed in the directory above.

Branch Status in Jammu and Kashmir: Regular Working Day Last checked: 25 Sep 2026

Typical banking hours: 10:00 AM – 4:00 PM (subject to branch-specific schedules and local changes). Digital payment systems (NEFT, RTGS, IMPS, UPI) are generally available round-the-clock per RBI/NPCI guidelines, subject to individual bank processing, system maintenance, and account limits.

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All Districts (3) GUMLA 2 JAMMU 1

Utkarsh Small Finance Bank Branches in JAMMU, Jammu and Kashmir

Select a branch to view detailed IFSC routing, MICR code, and address.

Showing 1-1 of 1 branches

Branch Name	IFSC Code	MICR Code	District / City	Contact	Action
JAMMU SECTOR-03 OPPOSITE PLOT NOS.596 TO 600 CHANNI HIMMAT HOUSING COLONY TEHSIL& DISTRICT JAMMU J&K-180015	UTKS0001683	Non-MICR	JAMMU SAMBA	1800 Toll-Free	View IFSC →

Upcoming Bank Holidays in Jammu and Kashmir

Negotiable Instruments Act

Commercial banks in Jammu and Kashmir (including Utkarsh Small Finance Bank branches) observe standard holidays on Sundays, 2nd & 4th Saturdays, and official state-notified festivals:

Date	Day	Holiday / Occasion	Holiday Classification
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
24 Oct 2026	Saturday	Fourth Saturday Bank Holiday	RBI Banking Holiday
14 Nov 2026	Saturday	Second Saturday Bank Holiday	RBI Banking Holiday

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