Ujjivan Small Finance Bank MICR Codes in Karnataka — All Cities

Ujjivan Small Finance Bank MICR Codes in Karnataka — Complete City Directory

Ujjivan Small Finance Bank operates 97 branches across 29 cities in Karnataka, all registered on the Reserve Bank of India's Cheque Truncation System (CTS) grid. Every branch has a unique 9-digit MICR code — a mandatory identifier for cheque clearing, ECS mandates, SIP registrations, and NACH auto-debits. BankZop's Ujjivan Small Finance Bank Karnataka MICR directory is sourced directly from official RBI CTS data and updated regularly, making it the most reliable source for accurate branch MICR codes in Karnataka.

Whether you are setting up a mutual fund SIP, registering an ECS mandate for insurance, or submitting a NACH form for loan EMI collection, you need the exact MICR code of the Ujjivan Small Finance Bank branch in Karnataka where your account is held. Use the city list above to navigate directly to your branch.

How to Find Your Ujjivan Small Finance Bank MICR Code in Karnataka

Finding the right MICR code takes under 30 seconds on BankZop. Here is the exact process:

• Step 1 — Select City: You are already on the Karnataka page. Choose your city from the list above. Type in the search box to filter instantly if the list is long.
• Step 2 — Select Branch: The city page lists all Ujjivan Small Finance Bank branches in that city. Click your specific branch — the one where your savings or current account is held.
• Step 3 — Copy MICR Code: The branch result page shows the full 9-digit MICR code with a one-click Copy button. It also shows the IFSC code, BSR code, address, and phone number for the same branch.

If you already have your Ujjivan Small Finance Bank cheque book, the MICR code is printed at the bottom of every cheque leaf in magnetic ink — the 9-digit number between the cheque serial number and your account number. You can verify it matches our database by searching BankZop for your branch.

Why Each Ujjivan Small Finance Bank Branch in Karnataka Has a Different MICR Code

Every Ujjivan Small Finance Bank branch in Karnataka has a unique 9-digit MICR code structured as follows:

• Digits 1–3 (City Code): Identifies the CTS clearing zone within Karnataka. Each major city in Karnataka has a distinct 3-digit city code assigned by the RBI. All Ujjivan Small Finance Bank branches in the same city share this prefix.
• Digits 4–6 (Bank Code): Identifies Ujjivan Small Finance Bank within that city's clearing zone. This is the same for all Ujjivan Small Finance Bank branches in the same city.
• Digits 7–9 (Branch Code): This is what makes each MICR code unique. The final 3 digits identify the specific Ujjivan Small Finance Bank branch. No two branches in Karnataka share the same complete 9-digit code.

This hierarchical structure enables the RBI's CTS clearing system to automatically route any Ujjivan Small Finance Bank cheque in Karnataka to the correct clearing house, bank, and branch — without any manual intervention.

When You Need the Ujjivan Small Finance Bank Karnataka MICR Code

SIP and Mutual Fund Registrations

If you hold a Ujjivan Small Finance Bank savings account in Karnataka and want to set up a Systematic Investment Plan (SIP), the NACH mandate form will ask for your branch's MICR code. This is how the fund house identifies your Ujjivan Small Finance Bank Karnataka branch to debit your SIP amount each month through the NPCI's NACH platform. Entering the wrong MICR code will result in a rejected mandate and delayed SIP setup.

ECS Mandates for Utilities and Insurance

ECS (Electronic Clearing Service) auto-debits for electricity bills, broadband payments, gas connections, and insurance premium renewals all require your Ujjivan Small Finance Bank branch MICR code in Karnataka. The ECS mandate form specifically asks for a 9-digit MICR code — not the IFSC code. The clearing system uses this to identify your branch and process the auto-debit on the due date.

Loan EMI Collection Mandates

Banks and NBFCs operating in Karnataka collect loan EMIs via NACH mandates. When you sign a NACH form for a home loan, personal loan, car loan, or two-wheeler loan, the lender's bank uses your Ujjivan Small Finance Bank branch MICR code to set up the recurring debit. An incorrect MICR code causes the mandate to fail, resulting in a missed EMI and possible late payment penalties.

Post-Dated Cheques and Cheque Clearing

All cheques issued by Ujjivan Small Finance Bank branches in Karnataka carry the branch's MICR code at the bottom. When these cheques are deposited by the payee, the CTS system in Karnataka reads the MICR code to route the clearing request electronically. The entire process — from deposit to settlement — happens within one business day, thanks to the MICR-based CTS infrastructure.

Cities in Karnataka with Ujjivan Small Finance Bank Branches

Ujjivan Small Finance Bank has a presence in 29 cities across Karnataka with MICR-enabled branches:

Branch counts reflect MICR-enabled branches on the RBI CTS grid as of Jun 2026. Data sourced from RBI CTS records.

To browse Ujjivan Small Finance Bank branches in other states, visit the Ujjivan Small Finance Bank MICR directory. For all bank MICR codes, use the MICR Code Lookup homepage. For loan planning, try the free EMI Calculator.