Branch Details — UTKS0001968
| Bank Name | Utkarsh Small Finance Bank |
| Branch Name | KOCH |
| IFSC Code | UTKS0001968 |
| MICR Code | 824762102 |
| Bank Code (RBI) | UTKS |
| Branch Code | 001968 |
| Address | UTKARSH SMALL FINANCE BANK LTD GROUND FLOOR NEAR MIDDLE SCHOOL KONCH GAYA BIHAR PIN,824207 |
| City | Gaya |
| District | GAYA |
| State | Bihar |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using UTKS0001968
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC UTKS0001968.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC UTKS0001968.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is UTKS0001968. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Utkarsh Small Finance Bank KOCH branch, Gaya, Bihar.
The MICR code is 824762102. It is a 9-digit code printed at the bottom of cheques, used only for cheque clearing.
Address: UTKARSH SMALL FINANCE BANK LTD GROUND FLOOR NEAR MIDDLE SCHOOL KONCH GAYA BIHAR PIN,824207. Branch timings: Monday–Friday 9:30 AM – 3:30 PM, Saturday 9:30 AM – 1:30 PM (closed 2nd/4th Saturdays).
UTKS identifies Utkarsh Small Finance Bank. The 5th character 0 is reserved by RBI. The last 6 characters 001968 identify the KOCH branch.
Yes. Utkarsh Small Finance Bank KOCH Branch (IFSC: UTKS0001968) is fully enabled for NEFT, RTGS, IMPS, UPI, available 24×7 including weekends and holidays.
Log in to your bank's net banking or mobile app → Fund Transfer → Add Beneficiary → enter account number and IFSC UTKS0001968 → select NEFT/RTGS/IMPS → confirm with OTP.