State wise list of UCO Bank IFSC code, MICR code and addresses of all branches in India
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Online money transfer has been a boon to the world of banking, enabling customers to wire money and make payments electronically, often from the comfort of their home. UCO Bank also offers its customers the service of making payments electronically via NEFT (National Electronic Funds Transfer) and RTGS (Real Time Gross Settlement) system. Both these payment systems have been introduced by the RBI and employ a special code known as the IFSC code to function. IFSC codes are issued by the RBI to each bank participating in the NEFT network and helps identify the source bank from the destination bank in the process of a transaction.
An IFSC (Indian Financial System Code) is an 11 character alphanumeric code which is made up of three parts. The first 4 characters denote the name of the bank, the fifth character is always zero, reserved for future use and the last 6 characters represent the specific branch of the bank. For instance the UCO Bank IFSC code for their Davangere branch is UCBA0001043. Looking at the breakup of the same, ‘UCBA’ stands for the name of the bank i.e. UCO Bank, the fifth character is 0, and the last 6 characters of the code ‘001043’ represent the Davangere branch of UCO bank.
It is easy to find the IFSC or MICR code for any UCO Bank branch that you may be looking for. You can find the IFSC and MICR codes for any UCO bank branch printed on the cheque leaves of cheque books issued by the bank. Each cheque book has the IFSC code of the branch from where it has been issued. You may also find the IFSC and MICR code for UCO bank on several third party websites which provide such information. One of the easier ways to look up the IFSC or MICR code for any branch of UCO bank is to visit BankBazaar which provides such information is a compact yet effective format. All you have to do is go to the website’s main page and click on the ‘Bank IFSC page’ tab located at the very bottom of the page. This will redirect you to another page which will ask you to provide information such as the name of the bank you’re looking for, the state and district it is located in and the particular branch that you’re looking for. Once you’ve provided that information, the page will immediately display the IFSC and MICR code for the preferred bank that you’ve chosen, along with other relevant information like the address and contact details of the bank.
Transferring money via NEFT and RTGS is one of the most convenient ways of making payments, for not only is it quick and convenient but also extremely secure. UCO bank enables its customers to carry out NEFT and RTGS payments not only at the branches but also online via net banking.
NEFT:
NEFT or National Electronic Funds Transfer is a nation-wide payment system which allows banks and its customers to electronically make payments to any other bank account which is also a part of the NEFT network. This facility operates on the Deferred Net Settlement (DNS) basis and is open not only the customers holding accounts with UCO bank but also for walk-in customers who do not have an account with the bank. However, though there is no limit on the minimum or maximum amount of an NEFT transaction, all cash based NEFT transactions carry an upper limit of Rs 50,000. Funds can be transferred to any bank account in India which is a part of the NEFT network. In order to transfer funds via NEFT, customers making cash based remittances must furnish details like complete address, contact number, bank account number, etc. The service charges for NEFT transactions are as follows:
Amount | Charge |
Up to Rs 10,000 | Free for bank’s customers |
Rs 10,001 to Rs 1 lakh | Free for bank’s customers |
Rs 1,00,001 to Rs 2 lakh | Rs 17/- per transaction |
Above Rs 2 lakh | Rs 29/- per transaction |
Timings
Days | NEFT Batches |
Monday to Friday | 8 AM to 7 PM (hourly batches) |
Saturday | 8 AM to 1 PM (hourly batches) |
RTGS:
RTGS or Real Time Gross Settlement is another system of making online payments. Following are the charges applicable for RTGS transactions. RTGS transactions are done on an order to order basis, which means that the transaction process takes place as soon as the instructions are received, in real time. RTGS is especially ideal for making high monetary value payments wherein the minimum amount for a transaction is fixed at Rs 2 lakh. There is no upper limit on the transaction. In order to initiate an RTGS transaction, customers must furnish the following information.
Charges applicable on RTGS transactions are as follows:
Amount | Timing | Charge |
Rs 2 lakh – Rs 5 lakh | 8 AM - 12 Noon | Rs 29/- |
12 Noon – 3:30 PM | Rs 30/- | |
After 3:30 Pm – 5:30 PM | Rs 34/- | |
After 5:30 PM | Rs 34/- | |
Above Rs 5 lakh | 8 AM - 12 Noon | Rs 57/- |
12 Noon – 3:30 PM | Rs 58/- | |
After 3:30 Pm – 5:30 PM | Rs 63/- | |
After 5:30 PM | Rs 63/- |
Timings
Days | Customer Transactions | Inter-bank Transactions |
Monday - Friday | 9 AM to 4:30 PM | 9 AM to 6:30 PM |
Saturday | 9 AM to 2 PM | 9 AM to 3 PM |
Established in 1943, UCO Bank, formerly known as Union Commercial Bank, is one of the leading Government owned financial services company in India. The bank operates via 49 zonal offices located across India, along with two branches located overseas in Hong Kong and Singapore. Serving a diverse customer base, the bank offers financial products and services like corporate banking, consumer banking, investment banking, insurance, private banking, wealth management and mortgage loans, among others.
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