UCO Bank IFSC code

Do not retype a UCO Bank IFSC from memory. In this snapshot 3,435 of 3,437 records end in six digits, so a transposition can still look plausible; verify all eleven characters.

1. 1

   Check current bank-issued details

   Confirm the complete IFSC supplied for the beneficiary account.

2. 2

   Ask the beneficiary to verify it

   Do not substitute a nearby branch code or reuse an old instruction.

3. 3

   Use UCO Bank’s branch locator

   It takes State, District/City, Branch Name and IFSC Code, so it works both ways.

4. 4

   Search the table below

   Every branch indexed here has a page with its IFSC, MICR code and address.

UCBA

Bank code — identical on all 3,437 codes

0

Always the digit zero, never the letter O

000002

Branch — 2 India Exchange Place, the bank’s head-office address in Kolkata

UCO Bank’s published SWIFT list prints a SOL ID beside 66 branch names. For all 66, that SOL ID padded to six digits equals the IFSC suffix: SOL 1831, the Mumbai treasury branch, is UCBA0001831. No fetched bank source establishes that as a universal allocation rule beyond the published list.

Both point at the same branch, and neither substitutes for the other. The MICR is the nine-digit number along the bottom of a cheque, used for cheque clearing; NEFT, RTGS and IMPS route on the IFSC.

Of the 3,429 records here that carry a MICR, every value has 028 as its middle three digits. Eight records have no MICR, including IMPS, treasury and reconciliation entries as well as records labelled Noida Sector XXII, Chikhli and Baghpat Road Meerut; the dataset does not explain each omission.

For an account-number-and-IFSC transfer, use the beneficiary’s current branch code. NEFT runs 24x7x365 and settles in batches with no RBI minimum; RTGS starts at ₹2,00,000 with no ceiling and has been 24x7x365 since 14 December 2020.

An IFSC cannot bring money into India — it is a domestic code. A wire needs a SWIFT BIC, and UCO Bank’s two lists differ sharply: 3,437 branches have an IFSC, but the bank publishes BICs for just 66. All begin UCBAINBB; the Mumbai treasury branch is UCBAINBB001.

Do not derive a BIC from the IFSC. Use the exact BIC in UCO Bank’s published list or obtain current inward-wire instructions from the receiving branch.

• UCO Bank asks senders for the beneficiary’s “full 14 digit account number in case of our bank”, the name, the bank, and the branch name, city and state.
• Say whether the account is NRE or NRO: UCO Bank states NRE interest is exempt from Indian income tax, while NRO interest is taxable.

RBI rules require the destination bank to return an NEFT it cannot credit within two hours of the batch in which it was processed. If neither a credit nor a return has appeared, contact the sending bank with the transaction reference rather than assuming the cause.

1. 01Read the prefix back: UCBA0 uses the digit zero. Most suffixes are numeric, but do not alter a bank-confirmed special code.
2. 02Check the complete code against current beneficiary details, and the account number for any missing leading zero.
3. 03Confirm the branch, not just the bank — the wrong branch’s code still looks valid.
4. 04Quote the transaction reference to the sending bank, or call UCO Bank on 1800 8910.