Ujjivan Small Finance Bank IFSC Code Search

The IFSC Code is unique for each bank branch. In the 11-character code, the first 4 characters indicate the bank code, the 5th character is a ‘0’ and the remaining 6 characters represent the specific branch code.

Ujjivan Small Finance Bank Code				Zero	Ujjivan Small Finance Bank’s Branch Code
U	J	V	N	0	0	0	2	2	0	7

The above-mentioned code (UJVN0002207) is the example of the IFSC Code of Ujjivan Small Finance Bank, Delhi. Here, the first 4 characters ‘UJVN’ represents the bank code, the 5th character is a ‘0’ and the last 6 characters ‘002207’ represent the branch code of Adarsh Nagar, Delhi.

Given below are the different ways in which a user can find the IFSC as well as the MICR (Magnetic Ink Character Recognition) Code:

1. IFSC Code search tool by Paisabazaar: The users can visit the IFSC Code search tool page provided by Paisabazaar and select the bank name, state, city and branch name. The IFSC along with MICR and other code will be displayed on the right-hand side of the page.
2. Cheque Book / Passbook: The users can look for the IFSC code on the top left corner of the cheque leaf while the MICR Code is printed at the bottom. Both the IFSC and MICR codes can be found on the first page of the passbook.
3. RBI: The users can also look for the IFSC and MICR codes on the official website of the Reserve Bank of India.
4. Internet / Mobile Banking: The IFSC Code can also be found on the bank’s official website or by logging into net banking or the mobile application.

The online funds transfer using NEFT, RTGS or IMPS cannot be initiated without the use of a valid IFSC Code. The information required to avail the online fund transfer facilities include:

• Name of Beneficiary and his/her bank
• Amount to be transferred
• Account number of the Beneficiary
• IFSC code of Beneficiary’s account number

National Electronic Fund Transfer (NEFT)

NEFT payment service is used for transferring funds from one bank account to another. The process is based on a deferred arrangement that allows the transfer of money in different sets or batches. For any NEFT transaction, both banks should be NEFT-enabled.

Real-Time Gross Settlement (RTGS)

RTGS is another online money transfer service that allows the transfer of funds from one bank branch to another in real-time and on an orderly basis. The RTGS service is majorly used for carrying out large value transactions.

Immediate Payment Service (IMPS)

IMPS or Immediate Payment Service is a real-time fund transfer, which enables 24x7 interbank money transfer from one bank account to another. IMPS allows instant transfer of funds and the service can be accessed via ATM, SMS, branch etc. It is considered as the fastest mode of money transfer.
Features of NEFT, RTGS, and IMPS

Payment Service	NEFT	RTGS	IMPS
Minimum Transfer Limit	Re. 1	Rs. 2 lakh	Re. 1
Maximum Transfer Limit	No limit	No limit	Rs. 2 lakh
Service Timings	24 x 7, 365 days	9 am - 3:30 pm Monday to Saturday (except 2nd & 4th)	Available 24x7, 365 days (including bank holidays)
Inward Transaction Charges	No charges	Up to Rs. 50 plus applicable tax (depending on the transfer amount)	Up to Rs. 15 plus applicable tax (depending on the transfer amount)

Licensed under Section 22 of the Banking Regulation Act, 1949, Ujjivan Small Finance Bank commenced operations on 1 February 2017. The bank has its headquarters in Bengaluru and has a wide network of 441 branches spread across 209 districts and 24 states in India.