Branch Details — UTKS0001608
| Bank Name | Utkarsh Small Finance Bank |
| Branch Name | Varachha Surat |
| IFSC Code | UTKS0001608 |
| MICR Code | 395762003 |
| Bank Code (RBI) | UTKS |
| Branch Code | 001608 |
| Address | SHOP NO.2 GROUND FLOOR J R PLAZA,VARACHHA MAIN ROAD B/S,CNG PUMP SHREE JAIMAHALAXMI,SOCIETY CHIKUWADI NANA VARACHHA,SURAT PINCODE-395006 GUJARAT |
| City | Surat |
| District | Surat |
| State | Gujarat |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using UTKS0001608
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC UTKS0001608.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC UTKS0001608.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is UTKS0001608. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Utkarsh Small Finance Bank Varachha Surat branch, Surat, Gujarat.
The MICR code is 395762003. It is a 9-digit code printed at the bottom of cheques, used only for cheque clearing.
Address: SHOP NO.2 GROUND FLOOR J R PLAZA,VARACHHA MAIN ROAD B/S,CNG PUMP SHREE JAIMAHALAXMI,SOCIETY CHIKUWADI NANA VARACHHA,SURAT PINCODE-395006 GUJARAT. 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 001608 identify the Varachha Surat branch.
Yes. Utkarsh Small Finance Bank Varachha Surat Branch (IFSC: UTKS0001608) 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 UTKS0001608 → select NEFT/RTGS/IMPS → confirm with OTP.