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Find UCO Bank IFSC & MICR Code

UCO Bank IFSC Code

The country's central bank (RBI) has specified three ways in which we can remit money. These include the popular NEFT, RTGS and IMPS. However, to undertake these transactions, we must have the IFSC Code allotted by RBI to each bank and the specified branch.

The UCO Bank IFSC Code is an 11-digit alphanumeric code having special 4 characters, 'UCBA', stand for the name of the bank, the fifth character is always 'zero' for future use and the final six characters specify the 'exact branch address'.

How to Search for UCO Bank IFSC Codes?

If you are searching for the IFSC code of your home branch, you can use two mechanisms to search. In the offline mode you will find it written on your cheque book, which has been given to you by the UCO Bank branch. If you are looking for online IFSC Code of UCO Bank you can find here in Goodreturns.

State Wise UCO Bank IFSC & MICR Code

About UCO Bank

UCO Bank IFSC Code And Its Format

Online money transfer has become a gift to the field of banking, allowing consumers, mostly from the convenience of their home, to transfer money and make payments online.

UCO Bank also provides electronic payment services to its customers through the NEFT (National Electronic Funds Transfer) and RTGS (Real Time Gross Settlement) system. The RBI has implemented all these payment options which uses a special framework known as the IFSC code to operate. The RBI provides IFSC codes to each bank operating in the NEFT network and helps to classify the source bank from the recipient bank in the transaction process. An IFSC (Indian Financial System Code) is an alphanumeric code of 11 characters which is composed of three parts. The first 4 characters signify the name of the bank, then the following character ‘0’ is always the same and hence kept only for future application or use, and the last 6 characters reflect the bank's particular branch. Let’s take an example of IFSC code of UCO Bank Behlana,chandigarh, Chandigarh Branch is UCBA0001330. Considering the same break-up,' UCBA' stands for the bank's name, i.e. The fifth character of UCO Bank is 0, and the last 6 characters of code ‘001330’ reflect UCO Bank's Behlana,Chandigarh, Chandigarh Branch.    

Importance of UCO Bank IFSC Code for making electronic fund transfer

Customers or account holders of UCO Bank can transfer funds using the IFSC code of the beneficiary's bank branch using the ways mentioned below. 


The online fund transfer system provided by the Reserve Bank of India refers to the NEFT or National Electronic Funds Transfer service. This requires the online transfer of funds to be carried out by all account holders of banks active in the system. Account holders are needed to have the beneficiary's IFSC code for the electronic transfer of funds. The fund transfer request will be rejected in the event of an inaccurate IFSC code.


Real-Time Gross Settlement (RTGS) is yet another payment mechanism in which money is transferred in real-time and on a gross basis to the beneficiary's account. The RTGS system is mainly intended for transactions of large value (more than Rs. 2 lakh) and also render immediate settlement of funds.  The sender needs to provide the following details to make a transaction using RTGS.

  • Name of the beneficiary or payee
  • Account number of the payee
  • IFSC Code of the payee’s bank branch
  • Transfer amount


The Immediate Payment Service (IMPS), operated by the National Payment Corporation of India (NPCI), is a real-time immediate inter-bank fund transfer platform. In comparison to NEFT and RTGS, IMPS is available 24/7 during the entire year, including bank holidays. The sender has to include the following details in order to render a fund transfer using IMPS:

  • Name of the payee
  • Account number of the payee
  • Type of Account (Savings / Current Account) of the payee
  • IFSC Code of the payee’s bank branch  

Ways to check the IFSC and MICR codes of UCO Bank

The UCO Bank IFSC Code can be easily identified by any of the means listed below:

Through Goodreturns.in

By exploring Goodreturns.in, customers can check the IFSC code of UCO Bank. Any individual can visit this site and follow the instructions listed below to search the UCO Bank IFSC code. In addition, to find the UCO Bank IFSC code, users can also access the RBI's official website.

  • Visit Goodreturns.in and select ‘Banking’ from the top menu bar of the page
  • Now you need to click on the ‘IFSC Code’ option and then you will be redirected to the next page
  • Now you need to select your particular bank, branch, city and state from the drop-down menu
  • Now click on the ‘Find Bank’ button and you will get the IFSC Code of your requested bank branch. Apart from the IFSC Code you will also get other details like address, MICR code, and contact number of the branch.

Through the cheque book issued by UCO Bank- At the top of the UCO Bank cheque, the IFSC code is specified, while the cheque number and MICR code are at the bottom of the cheque for the same branch.

Through a passbook issued by UCO Bank- UCO Bank account holders can also search the IFSC of their branch on their bank-provided account passbook. Conversely, customers can check the site of the Reserve Bank of India to locate the same.    

UCO Bank Mobile Banking Fund Transfer And Daily Limits

UCO Mobile Banking is the easiest way to make fund transfer through digital and secure manner. You need to open UCO Bank Mobile Banking app in your mobile and then login to your account using the login credentials in order to view accounts, transfer funds and generate account statement. Customers can transfer funds to their own accounts, other UCO bank accounts (transfer to third party funds), periodic transfers of funds (by adding third-party beneficiaries), manage loan accounts, RD and PPF accounts by using the UCO Bank Mobile Banking service. The customer can also transfer funds to the accounts of other banks using the IMPS / RTGS / NEFT facility. Besides this, customers can generate account statements for a particular time and also view or manage their account history. 

  • Fund transfer limits for Fund Transfer/Third Party Transfer/NEFT/RTGS/IMPS/Bill Payment/Other services by using UCO Bank Mobile Banking facility:
  • Quick Payment (without adding beneficiary)- Rs 50,000
  • Transferring to the beneficiary- Rs 2,00,000
  • Self-linked account of the customer- Rs 5,00,000 

Note: The maximum daily cap for third parties for Application / WAP-based networks will be Rs 2,00,000 for transfer / NEFT / RTGS / IMPS / Bill Payment / Other Facilities.     

You can refer to Circular No for specific guidance and details about UCO Mobile Banking at CHO / BPR&BTD/07/2015-16 accessible from UCO Online. Please write to UCO Bank in the event of any clarification at:-



Toll Free no. 18002740123 033-44559059/9084/9459

UCO Bank NEFT, RTGS Timings

You must follow the below listed timings in order to initiate fund transfer through UCO Bank NEFT or RTGS methods:

RTGS timings

From Monday - Saturday for customer transactions (8.00 hours to 18.00 hours) and for interbank transactions (8.00 hours to 19.45 hours).

NEFT timings

From Monday - Sunday on a 24x7 basis

NEFT batch settlement timings

From Monday to Sunday: 00:30, 01:00, 01:30, 02:00, 02:30, 03:00, 03:30, 04:00, 04:30, 05:00, 05:30, 06:00, 06:30, 07:00, 07:30, 08:00, 08:30 09:00, 09:30, 10:00, 10:30, 11:00, 11:30, 12:00, 12:30, 13:00, 13:30, 14:00, 14:30, 15:00, 15:30, 16:00, 16:30, 17:00, 17:30, 18:00, 18:30, 19:00, 19:30, 20:00, 20:30, 21:00, 21:30, 22:00, 22:30, 23:00, 23:30, 00:00 hours.   

UCO Bank NEFT/RTGS Customer Facilitation Centre

Contact details of customer facilitation centre of NEFT/RTGS:


Chief Manager

RTGS NEFT Cell, Mumbai

359, Dr. D. N. Road, Fort,

Mumbai – 400001

Tel: 022-66547342/43/44/59

Fax: 022-66547355

Email : rtgsneftcell@ucobank.co.in

UCO Bank RTGS Charges for Rs. 2 Lakh to Rs. 5 Lakh (for outward transactions)

  • From 08:00 hours to 11:00 hours: Rs. 24.50
  • After 11:01 hours to 13:00 hours: Rs. 24.50
  • After 13:01 hours to 18:00 hours and onwards: Rs. 24.50

For amount above Rs. 5 Lakh Remittance through Electronic Mode – (RTGS Outward Transactions)

  • From 08:00 hours to 11:00 hours: Rs. 49.50
  • After 11:01 hours to 13:00 hours: Rs. 49.50
  • After 13:01 hours to 18:00 hours and onwards: Rs. 49.50

UCO Bank NEFT Charges (Exclusive of GST)

  • For an amount up to Rs. 10,000- Rs. 2.25 per transaction
  • Above Rs. 10,000 to 1 Lakh: Rs. 4.75 per transaction
  • Above Rs. 1 Lakh to 2 Lakh: Rs. 14.75 per transaction
  • Above Rs. 2.00 lakh: Rs. 24.75 per transaction

Note: Charges are not applicable for NEFT/RTGS transaction done through alternative mediums such as Mobile Banking, Internet Banking etc.   


Interbank Mobile Payment System (IMPS) is a new platform which will revitalise India's retail cash payment industry. We are happy to say that, as of 23 July 2011, UCO Bank has already joined the uprising. All registered customers can now be able to use their mobile phones to transfer funds from their accounts to any other account across India via IMPS. IMPS provides 24X7x365, interbank electronic fund transfer facility via mobile phones to the customers of UCO Bank. IMPS helps consumers to use mobile phones as a portal to reach their bank accounts and safely place high interbank fund transfers with instant approval functionality. The customer must have a mobile number and an MMID linked to his account in order to use IMPS service. The Mobile Money Identifier (MMID) is a specific seven-digit code that is linked with any current or saving account. The customer would have to know his mobile number and MMID to transfer funds to another individual. 

Procedure to get MMID

UCO mBanking users can follow the steps to generate MMID

  • Open UCO mBanking app in your mobile phone and enter the required credentials to log in
  • Now go to the ‘Fund Transfer’ section and select ‘Other Bank’
  • Now select ‘Interbank Mobile Payment System’ and then choose ‘Generate MMID’
  • Now enter MPIN and select your account to link with MMID
  • Tap on ‘Ok’ and you will see MMID on your mobile screen

UCO Bank RTGS Form

The most prominent electronic money transfer method in India when it comes to high volume money transfers is RTGS or Real Time Gross Settlement. The Reserve Bank of India (RBI) directly regulates this system. For this effect, the same can not be reversed once the transaction is settled in the Reserve Bank accounts log. UCO bank gives its customers the ability both online and at the bank branch to execute RTGS transactions. To use this service, the sender must fill out the UCO Bank RTGS form.

How I can fill UCO Bank RTGS Form?

The applicant must provide the details listed below in the UCO Bank RTGS form in order to facilitate the RTGS transaction.

  • Name and address of the recipient
  • Name and address of the remitter
  • Account type and account number of the remitter
  • IFSC Code, bank branch address, bank account number, and type of account of the recipient
  • Amount to be transferred, cheque number (if any)

A unified RTGS form and payment order is the UCO Bank RTGS Form. This renders it convenient for the applicant to transfer funds through RTGS. The form is accessible in both Hindi and English. Applicants can directly download and print the form from the bank's website. They can also fill out the form online and pay through net banking or mobile banking for the RTGS transaction.   

Things to consider while filling UCO Bank RTGS Form

In order to make RTGS transactions, the bank requires applicants to bear in mind the following factors: 

  • The bank is not constrained by the payment order until and until the bank provides the recipient with the counterfoil (acknowledgement slip) of the RTGS transaction.
  • The same can not be revoked if the balance is successfully deposited in the bank account of the payee.
  • The issuer must ensure that the information alluded to in the form is accurate. The bank will not be responsible for the repercussions that occur in the form due to inaccurate details.
  • If the RTGS amount is to be debited from the bank account of the payer, the payer must confirm that there is a proper balance in that account. If not, the amount that should have been debited along with the related charges will be liable to you in order to pay.
  • If a device fault or a loss of connectivity causes the transaction to be halted, the bank can not be held liable.
  • If the RTGS transfer is rendered after business hours, the next working day will be processed in the same manner.

Both in English and Hindi, the UCO Bank RTGS form is usable. Over Rs 2 lakhs, the bank allows RTGS transfer; there is no upper limit (with nominal transaction fees). In RTGS transactions, the money will be transferred in the beneficiary account within 30 minutes, as per RBI guidelines. If the transaction will not be approved for any reason, the money will be returned within 2 hours to the sender's account. So in event account holders have to make any high volume emergency transfer, they only need to fill out the form of UCO Bank RTGS and transfer the cash.      

UCO Bank of India NEFT Form

UCO Bank of India, through NEFT (National Electronic Funds Transfer), provides its customers with a fund transfer facility. Online and offline, customers can use the NEFT service. When the account holders of the UCO Bank of India are unable to access their net banking or mobile banking account, they can make offline transactions by visiting the bank branch and filling out the NEFT form of the UCO Bank of India. UCO Bank of India NEFT service can be used by customers in two ways:


  • Via net banking or mobile banking, customers can transfer money by filling the below-listed details:
  • Name and account number of the beneficiary
  • Account type of the beneficiary
  • IFSC Code of the beneficiary’s bank branch
  • Amount to be transferred to the beneficiary


By filling in the UCO Bank of India NEFT Form, account holders can even visit the bank and carry out the transaction. For offline banking, the following details are required to fill in the UCO Bank of India NEFT form.

  • Name and account number of the beneficiary
  • Account type of the beneficiary
  • IFSC Code of the beneficiary’s bank branch
  • Amount to be remitted

UCO ank of India NEFT Charges

  • For an amount up to Rs. 10,000: Rs. 2.61 
  • Amount above Rs. 10,000 & up to Rs. 1 lakh: Rs. 5.22 
  • Amount above Rs. 1 lakh & up to Rs. 2 lakh: Rs. 14.78
  • Amount more than Rs. 2 lakh: Rs. 25.22

Note: The above-listed charges are applied per transaction and tax are also applicable.         

Procedure to add inter bank beneficiary in UCO Bank

Inter Bank does not mean within the same bank. Inter Bank Transfer specifies that an individual (remitter) with a bank account 'A' can transfer money to another person (payee/recipient) with a bank account 'B.'  Inter Bank Transfer is a specialized feature that enables you to transfer money into a bank account with any other bank in India from your bank account. Inter Bank Transfer facilitates a digital transfer of money from the remitter's bank account to the recipient's account operated at any other bank across India. In order to transfer funds, the person to which the funds are to be transferred or the transfer is to be made has to be added as a 'beneficiary' and his/her bank account details should be specified too. You are required to add an inter-bank 'beneficiary' to your account if you wish to transfer money from your Uco Bank account to another bank account other than Uco Bank. You can transfer the amount from your account to his/her account after adding the inter-bank 'beneficiary' successfully. You must have the online banking service in your account enabled for this task. It is quite convenient and straightforward and not a time-consuming task to add an inter-bank 'beneficiary' to your UCO bank account.      

  • Visit the official website of UCO Bank and sign in to your net banking account using the required credentials i.e. user name (customer ID) and password (IPIN).
  • Under the menu option, select "Payments & Transfers" tab 
  • Under the "Payments & Transfers" tab, click on "Manage Beneficiary" option
  • Now select select Inter Bank (where beneficiary's account is in other than Uco Bank Bank) option and click on Add Payee"
  • Now fill the required details of the beneficiary in the space provided such as: Name of Beneficiary, Account Number of the beneficiary, Bank Name of the beneficiary, Branch Name of the beneficiary, IFSC code of beneficiary’s bank branch and transfer limit.
  • Now click on the "I Accept Terms & Conditions" check box and then click on "Confirm" or "Continue" option.
  • An OTP will be delivered to your registered mobile number with the bank.
  • Enter the OTP in order to verify the registration of the beneficiary.
  • Once the authentication is done the beneficiary will be added successfully and you will get a notification for the same on your mobile number and email id.
  • Once the beneficiary is added you can make a fund transfer to his or her bank account directly.
  • If the beneficiary's account is not credited for any reason, the beneficiary's bank should refund the money to the remittance bank. Once the remitting bank receives this money back, the amount is credited to the Remitter's account by the branch of the remitting bank.

UCO Bank Timings

One of the largest public banks in India is UCO Bank, formerly identified as United Commercial Bank. UCO Bank Timings should be mindful to customers planning to visit the bank. UCO Bank has agreed to run all the banking services every day except 2nd and 4th Saturdays on its regular operating hours, i.e. 10:00 AM to 4:00 PM, after lockdown. For the wellbeing of staff and customers, special precautions have been introduced at the bank. The bank advises its customers to use the facilities of UCO Bank Net-banking and UCO Bank Mobile Banking and unless strictly necessary, not to visit the bank. 

UCO Bank Current NEFT and RTGS timings

On weekdays and Saturdays, NEFT transactions are accepted from 8:00 AM to 6:30 PM. Although for 365 days, these facilities are accessible 24*7 online. All banks are instructed by the RBI not to enforce any service charges on the online transfer of funds through NEFT. On weekdays and working Saturdays from 8:00 AM to 4:30 PM, UCO Bank operates scheduled periods for RTGS transactions. 

UCO Bank working hours

Bank customers and non-account holders can visit the bank during the working hours on weekdays and on the 1st, 3rd and 5th of Saturday of the month. On the 2nd, 4th, Saturdays, Sundays, and public holidays, do not visit the bank as the bank is closed on these days. 

  • UCO Bank Timings On Monday to Friday: 10:00 AM to 4:00 PM
  • UCO Bank Timings On 1st, 3rd, 5th Saturdays of every month: 10:00 AM to 4:00 PM
  • UCO Bank Timings on Saturdays 2nd, 4th Saturdays and Sundays of every month: The bank is closed on those days.

UCO Bank Of India Lunch Timings

A formal schedule for its employees throughout business hours is not accepted by UCO Bank. To ensure the facilities of the bank are not disrupted, employees take their lunch hour in batches. This does not apply to all branches and during the working period, some branches may accept a regular lunch break. 

UCO Bank Of India Locker Timings

UCO Bank enables its customers to use its locker facility only during the working time of the bank. The bank has not given additional time to its customers to manage its locker facilities. By visiting the bank only during its business hours, customers who wish to apply for locker facilities can request for it. 

How to transfer funds from UCO Bank account to other account?   

UCO (United Commercial Bank) is a trusted Indian commercial bank associated with the government. UCO Bank was established in Kolkata in 1943 and now has subsidiaries all over India. If you are a UCO bank account holder, you probably know how to get account information with only one missed call. UCO bank launched net banking and its supporting users in full swing. You do not need to visit your bank branch to start a net banking facility, visit the official UCO bank website and register with all details there. Let me inform you now though, how you can transfer cash from your account to another UCO bank account. There are a few quick steps and your money will be transferred immediately. Read the instructions below:

  • Visit your UCO bank net banking page and sign in to your account using the username and password.
  • Now click on the Fund transfer option and navigate to the “Third-party option” from the drop-down list located in the left corner.
  • Now click on “add new payee” – to add the beneficiary.
  • Now enter the required details of the beneficiary such as phone number, Payee Name, City, Branch etc.
  • Now confirm your transaction using the OTP based authentication and wait for 4 hrs for successful activation of the beneficiary.
  • Once the payee is added successfully, you can send funds to him or her from your UCO bank savings account.

How to transfer funds through RTGS using your UCO Bank account?

For ease of fund transfer using RTGS or NEFT, all the banks in India provide net banking facilities. In this way, a simple transfer of the funds can be rendered to the account of the beneficiary. All banks provide two forms of facilities to transfer the funds very easily from one account to another one and those are Real Time Gross Settlement (RTGS) and National Electronic Funds Transfer (NEFT). RTGS is preferably used to transfer high amounts i.e. 2 lakhs and above where the transactions are settled on a real-time basis and also the funds are processed immediately when the RTGS request is issued, as the transfers are individually settled here. However, there is no minimum or upper cap on the funds to be transferred in the case of the NEFT. For lower to medium range transactions, it is favoured. NEFT is an electronic platform to transfer funds that works on the basis of a Deferred Net Settlement (DNS) that settles transactions on a batch wise procedure. In DNS, the settlement takes place before the specific cut-off period for all transactions received. This is why in NEFT, the funds are not instantly transferred but take a few hours to transfer them.    

Key benefits of fund transfer through RTGS

  • Using net-banking services, you can transfer funds from your home or work location.
  • Quick transfer and settlements of funds
  • Make fund transfer anytime anywhere
  • There are no queues in which to stand or stand for
  • It is a secure and less time-consuming way of transferring funds
  • You should not have to submit a cheque and give it to the beneficiary, thus saving your efforts and timings.
  • As soon as the funds are transferred, you receive an automatic confirmation of the processing of your transaction via SMS and email from your bank.

Points to consider while transferring funds through RTGS

  • In your account, you must add the payee/ recipient to whose account you wish to transfer the funds to.
  • The RTGS/ NEFT network must be part of the originating and destination bank branches.
  • If you are transferring funds to the account of any beneficiary for the first time, you must initially transfer a small amount such as Rs 100 and receive a confirmation of receipt from the beneficiary and then transfer the amount that you are willing for.
  • Before making RTGS/NEFT fund transfer, verify the amount entered twice before rendering.
  • By SMS or email, you will obtain confirmation of the transfer of funds from your bank.
  • If your account is enabled with net banking service of the UCO Bank, then only you will be able to transfer funds electronically via RTGS/NEFT. 

UCO Bank Net Banking And Payee Registration Process

UCO Bank is a private bank that is served internationally by the Indian government. The UCO bank was founded in Kolkata, India, on 6 January 1943 by G.D.Birla. But on 19 July 1969, it was nationalised. In India and even outside India, the bank has spread between 4,000+ branches and 49 zonal offices. Different products are offered by the UCO bank, namely consumer banking, corporate banking, finance and insurance, wealth management, mortgage lending, private banking, and wealth management. UCO Bank, like other banks, also has its Internet banking service, which is accessible on all 365 days 24 hours a day from anywhere. You do not need to bother about visiting the bank to check your bank status or make any transactions by using Indian Bank Net Banking. All these can be done conveniently with just one tap at your residence. But you only need to enroll and enable your UCO Bank Net Banking account and get a user ID and password (and you need to be an account holder at UCO Bank) to do all this, therefore if you want to get updates on how to enroll and enable UCO Bank Net Banking to receive a user ID and password, follow the instructions below.      

How to register for UCO Bank net banking?

  • Visit the official site of UCO Bank and click on the ‘E-Banking’ option.
  • Now select the ‘New Registration’ option under the ‘E-Banking’ section.
  • Now you will be redirected to the next page where you will be asked to enter your bank account number and your last five transactions, once done click on ‘Submit’
  • Now you will get an OTP (One Time Password) on your registered mobile number. 
  • Enter the OTP in the required section and click on the Confirm option.
  • Now you will be redirected to the next page where you will need to enter the details of your ATM/Debit card.
  • Once you are done simply click on ‘Submit’
  • Now you will be redirected to the next step where you will get your temporary user ID(keep it handy for future reference).
  • Now you will be asked to enter a login password and transaction password.
  • Re-enter the password in the required section and click on ‘OK’
  • After clicking the OK icon, you can have the Net Banking Service Activation confirmation message on the screen of your device . You have to wait two working days to activate your net banking service, according to UCO banking terms & conditions.   

Steps to activate your UCO bank net banking account

Let's check the status of your net banking activation process after waiting for two working days, and for this visit the UCO bank E-banking website.

  • You can see the Login option in front of you after accessing the site; just click on it, then it asks you to enter your user ID, so fill in the ID and click on the login option.
  • You will now be prompted for an OTP, which will be sent to your registered mobile phone number. So please enter the OTP and click on ‘Confirm’.
  • Enter your login password and click on ‘Login’
  • You can now enter the new page where the terms & conditions of UCO bank are listed. Follow them cautiously and then click on the ‘I Agree’ option.
  • You must update your temporary user ID, temporary login password, temporary transaction password, and generate a new user ID, login & transaction password in the next step. So, carefully generate them and click on ‘Confirm’.
  • You can now see on your screen a prompt message indicating that your user ID and passwords have been successfully changed, now click on ‘Login’ and enter your user ID and login password.
  • You will now be able to access your net banking account homepage successfully, where you perform various net banking facilities. A confirmation message will also be sent to you on your registered mobile number or email by the bank.




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