Utkarsh Small Finance Bank MICR Codes in Gangtok, Sikkim

Utkarsh Small Finance Bank MICR Codes in Gangtok, Sikkim

Utkarsh Small Finance Bank has 1 branches in Gangtok, Sikkim, with 1 branches registered on the Reserve Bank of India's Cheque Truncation System (CTS) grid. Each branch has a unique 9-digit MICR code — the magnetic ink identifier printed at the bottom of every cheque issued by that branch. BankZop's Utkarsh Small Finance Bank Gangtok directory is sourced directly from official RBI CTS data, making it the most reliable reference for branch MICR codes in Gangtok.

Click any branch from the list above to view its complete details — MICR code, IFSC code, BSR code, address, and phone number — all on a single result page with one-click copy buttons.

How to Find Your Utkarsh Small Finance Bank MICR Code in Gangtok

You are one click away from the MICR code you need. Here is the process:

• Step 1 — Filter if needed: Type your branch name in the search box above if the list is long. The list filters instantly as you type.
• Step 2 — Click your branch: Click the branch where your Utkarsh Small Finance Bank account is held. Make sure it is the exact branch — not just any Utkarsh Small Finance Bank branch in Gangtok.
• Step 3 — Copy the MICR code: The result page shows the 9-digit MICR code with a large Copy button. It also shows the IFSC code, BSR code, full address, and phone number for the same branch.

If you are not sure which branch your account belongs to, check your Utkarsh Small Finance Bank passbook first page, internet banking account summary, or the cheque book issued by your branch. The MICR code on your cheque will match the one on BankZop for the same branch.

What is the MICR Code for Utkarsh Small Finance Bank in Gangtok?

Every Utkarsh Small Finance Bank branch in Gangtok has a 9-digit MICR code structured as follows:

• Digits 1–3 (City Code): All Utkarsh Small Finance Bank branches in Gangtok share the same first 3 digits — the CTS city code assigned by the RBI for the Gangtok clearing zone.
• Digits 4–6 (Bank Code): These 3 digits identify Utkarsh Small Finance Bank within the Gangtok clearing zone. All Utkarsh Small Finance Bank branches in Gangtok share this segment.
• Digits 7–9 (Branch Code): The final 3 digits are unique to each branch. This is what differentiates the 1 Utkarsh Small Finance Bank branches in Gangtok from each other.

This means that even if two Utkarsh Small Finance Bank branches are on the same street in Gangtok, they have different MICR codes. Always use the code for the specific branch where your account is held — not just any Utkarsh Small Finance Bank Gangtok branch.

When You Need the Utkarsh Small Finance Bank Gangtok MICR Code

SIP Registrations and Mutual Fund Mandates

When registering a Systematic Investment Plan (SIP), the NACH mandate form asks for your bank branch's MICR code. If your account is at a Utkarsh Small Finance Bank branch in Gangtok, find your branch's MICR code above and enter it on the mandate form. The NPCI's NACH platform uses this code to debit your account each month for the SIP instalment. Using an incorrect MICR code causes mandate rejection and delays your SIP setup.

ECS Mandates for Bills and Insurance

ECS (Electronic Clearing Service) auto-debits for electricity, broadband, gas, and insurance premiums require your Utkarsh Small Finance Bank branch MICR code in Gangtok. The ECS mandate form has a specific field for the 9-digit MICR code — not the IFSC. The clearing system uses this to identify your branch and process the recurring debit on the scheduled date.

Loan EMI Collection

Banks and NBFCs serving Gangtok collect loan EMIs via NACH mandates. When you take a home loan, personal loan, or vehicle loan, the lender asks for your bank account's MICR code to set up the monthly auto-debit. Enter the MICR code of your specific Utkarsh Small Finance Bank branch in Gangtok — found by clicking your branch in the list above.

About Utkarsh Small Finance Bank Branches in Gangtok, Sikkim

Utkarsh Small Finance Bank has been serving customers in Gangtok with a network of 1 branches offering full banking services — savings accounts, current accounts, loans, fixed deposits, and digital banking. All 1 MICR-enabled branches participate in the RBI's CTS cheque clearing system, ensuring cheques deposited anywhere in India are cleared within one business day.

To browse Utkarsh Small Finance Bank branches in other cities in Sikkim, visit the Utkarsh Small Finance Bank Sikkim directory. For all Utkarsh Small Finance Bank branches nationwide, see the Utkarsh Small Finance Bank MICR code directory. For electronic transfer codes, use the Utkarsh Small Finance Bank Gangtok IFSC directory. For loan EMI planning, use the free EMI Calculator.