UCO Bank IFSC Code and MICR Code

Find UCO Bank IFSC Code, MICR Code and branch details for NEFT, RTGS & IMPS transactions.

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UCO Bank IFSC Code, MICR Code and SWIFT Code

The use of online banking codes such as IFSC, MICR, and SWIFT codes has added the much-needed security mechanism for internet banking. One still struggles to find the valid UCO Bank IFSC Code and other codes for their bank branch.

Read along to explore what distinct banking codes are meant for, their composition, and how they work. You will also read about different banking modes of UCO bank and where you can find valid codes to use with them.

Let's start by understanding the composition and working of different banking codes.

UCO Bank IFSC Code

Indian Financial System Code, abbreviated as IFSC, is an alphanumeric code holding 11 digits each. The Reserve Bank of India assigns this unique IFSC code to identify a particular bank and its branch.

An IFSC code is required to initiate any online fund transfer via NEFT, IMPS, and RTGS. The need for the IFSC code is for carrying out smooth transactions, monitoring online fund transfers, and it acts as a unique identification for eliminating errors.

UCO Bank IFSC Code

The format of the IFSC code is divided into three sets. The first set holds four characters representing the bank code. The second set, which is the fifth character, is 0. The third set holds six characters representing the branch code.

For instance, UCO Bank Mumbai City MC D N Road Branch IFSC Code is UCBA0001979 . The first four characters, 'UCBA,' represents bank code. '0' is the fifth character combining the bank code as well as branch code. In the ending, six characters' 0001979' represent branch code.

UCO Bank MICR Code

MICR code is essential for any document verification or authentication purposes. Magnetic Ink Character Recognition, abbreviated as MICR, is a structured nine-digit code. This nine-digit code is printed under cheques and acts as a unique validation system for banking procedures.

UCO Bank MICR code authenticates the originality of legit documents like cheques or investment slips. The presence of MICR code elevates the process of identification faster.

The MICR code is structured as a pattern of 9 digits. These digits are divided into three parts. The first part contains three digits that represent city code which also means the postal code. The next three digits represent the bank code. In the same pattern, the last three digits represent the branch code.

For instance, the MICR code for the Kolkata district branch is '700028015'. In this example, the first three digits, '700', represent the city code. The second three digits, '028', represent the bank code. The ending three digits' 015' represent the branch code.

UCO Bank SWIFT Code 

SWIFT Code, termed as Business Identifier Code, is structured in the form of SWIFT number. It is required to identify banks or any financial institution across the globe. Usually, the SWIFT code is required to be mentioned while transferring funds internationally.

The SWIFT code plays a vital role in international wire transfers as well as SEPA payments. Banks require this code even for exchanges important messages globally. The SWIFT code pattern uses either 8 or 11 characters.

These 8 or 11 characters are divided into subparts. The beginning four characters signify the bank code. The next two consecutive characters signify the country code. Further, the next two characters signify the location code. This entire chain ends with three characters as branch code.

For instance, the UCO Bank SWIFT code for Ahemdabad city is 'UCBAINBB006'. In this example, the first four letters, 'UCBA,' represent the UCO bank name. The next two characters, 'IN,' represent the country code for India.

The consecutive next two characters, 'BB,' represent the location code. The ending three digits' 006' represent the branch code for that particular city.

How to Find the IFSC Code, MICR Code & SWIFT Code of UCO Bank?

Having understood the structure of banking codes, their components, and why they are used, using these for NEFT, RTGS, and IMPS transactions requires the confirmation of a valid code. There are several ways that you can confirm a banking code for a branch.

However, finding a UCO Bank IFSC code or any other code for a bank branch at your convenience can be quite tricky. Branch IFSC codes are sometimes updated, and different versions might exist at a certain point.

How to find the UCO Bank IFSC code,MICR and SWIFT Code?

Thus, finding the right banking code can be difficult even if you have some prior reference to the same. To steer away from outdated baking codes and find the right one easily, we have listed some easy ways for you to opt for:

IFSC Search Tool - Find Your Bank

An advanced IFSC search tool like Find Your Bank can be the perfect solution for directly finding relevant and updated IFSC codes and banking details. At Find Your Bank, you can find not only the desired IFSC codes but all relevant banking information related to a certain branch.

Know the IFSC code and want to confirm the branch? Have a UCO Bank IFSC code but want to search for the branch MICR or SWIFT code?

Find Your Bank is the best platform for doing such reverse searches to find one piece of information about your bank branch from another. All updated IFSC, MICR, and SWIFT branch codes can be found here.

Steps to find IFSC codes or run a search on Find Your Bank:

1. Head over to the official FindYourBank website -  https://findyourbank.in/.
2. In the code finder, punch in your bank details or simply select the UCO bank branch from the listing below.
3. Select the state and district of your bank branch.
4. Finish the search by selecting your desired UCO Bank Branch

Immediately, the page will be redirected to your desired bank branch codes and banking details like the branch address and other specifications. If you don't want to go through this process on your PC, you can simply download the Find Your Bank mobile app for a quick search anywhere.

If you want to confirm your UCO Bank IFSC code, the passbook and chequebook can be a good place to check. The chequebook also consists of the MICR code at the bottom of each cheque next to the bank code.

UCO Bank Cheque Book

The RBI official website can be the one place where all the latest codes can be confirmed easily even after updated from the RBI. You can also visit UCO Bank's e-banking portal for a quick check of your branch banking codes.

SWIFT codes are not that commonly used and can be difficult to access and confirm by new users. For a SWIFT code that you've used earlier, you can log into your bank account and check previous statements to confirm the code.

If you don't have anything to go on at all, just call UCO bank's customer care number or your bank branch to get a hold of your branch SWIFT code. UCO bank's toll-free customer care number for a helpline is 1800 274 0123.

How to Transfer Money through the NEFT, RTGS & IMPS processes of UCO Bank?

RBI has made the process of online fund transfer faster and easier. This is possible only because of the three popular online modes of fund transfers. These modes of fund transfers are NEFT(National Electronic Fund Transfer), RTGS(Real-Time Gross Settlement), and IMPS(Immediate Payment Service). The entire procedure of money transfer through NFET, RTGS, and IMPS of UCO is discussed below:

How to transfer money through NEFT,RTGS and IMPs Process of UCO Bank?


National Electronic Fund Transfer, abbreviated as NEFT, is an online fund transfer technique that one can use for transferring funds from one bank to another bank or within the bank accounts in the same Bank. NEFT transactions can be done in both ways - online and offline.

You can approach online NEFT fund transfers or can choose to physically visit the nearest bank branch and make an NEFT transaction by filling the form. It is essential to provide the UCO Bank IFSC Code for making any NEFT transactions to UCO Bank.

The presence of the IFSC code ensures the correct bank branch is considered. The maximum transaction limit set by UCO Bank for NEFT transactions is Rs 5,00,000/- but there's no minimum limit set.

UCO Bank settles NEFT transactions in batches. There are a total of 23 batches of settlements which all are cleared during the day. Well, during offline NEFT transactions, some charges are applicable to pay.

UCO Bank has a fixed timing during which you can make NFET transactions. The timings are 8:00 AM to 7:00 PM from Monday to Saturday. The table below depicts the charges imposed by UCO Bank for every NEFT transaction:

Transfer Amount NEFT per transaction charges(in Rs)
Up to Rs. 10,000 2.95
Rs 10,001 to Rs 1 Lakh 5.90
Rs. 1 Lakh - Rs. 2 Lakh 17.70
More than Rs. 2 Lakhs 29.50

The following documents are needed for NEFT transactions:

  • Beneficiary's name, 16 digit account number, and IFSC code
  • Type of Beneficiary's account
  • Remitter's name, account number, and IFSC code
  • Remitted Amount


Real-Time Gross Settlement, abbreviated as RTGS, is a slightly faster fund transfer technique that you can prefer for transferring high-value funds from one bank to another bank. You can make RTGS transactions easily by visiting your nearest bank branch.

The availability of RTGS transactions is 24/7. You can even perform RTGS transactions online, and it requires a properly validated IFSC code. The correct IFSC code assures secure fund transfers. UCO Bank has set fixed timings to initiate fund transfers offline.

For offline RTGS transactions, the timings for Monday to Saturday are 8.00 AM to 4:30 PM. This excludes 2nd and 4th Saturdays and bank holidays. The minimum transaction limit set for RTGS by UCO Bank is Rs 2,00,000/- and the maximum transaction limit set is Rs.10,00,000/- 

You need to pay some charges for RTGS transactions. The table below depicts the charges that are imposed by UCO bank:

 Transfer Amount RTGS per transaction charges
Rs. 2 Lakh - Rs. 5 Lakh Rs 24.50 per transaction
More than Rs. 5 Lakhs Rs 49.50 per transaction

Following are some documents required to be submitted for any RTGS transactions:

- Beneficiary's name, bank account number, and IFSC code

  • Remitter's name, bank account number, and IFSC code
  • Type of account
  • The amount that is to be remitted


Immediate Payment Service, abbreviated as IMPS, is the fastest mode of fund transfer, and it transfers funds instantly. You can avail of the IMPS service through mobile banking or net banking.

The IMPS fund transfer facility is available 24 by seven, all 365 days. The minimum transaction limit set for IMPS fund transfers is Rs 1/- whereas the maximum transaction limit set for IMPS transactions is Rs 2 Lakh.

For IMPS fund transfers, you don't have to visit the bank physically. It is even available on public holidays. Some charges are applicable for IMPS fund transfers.

UCO Bank has fixed charges based on transfer amounts to be applied on certain transactions. These are mentioned in the table below:

Transfer Amount IMPS per transaction charges
 Till Rs. 1 Lakh Rs. 5
Rs 100001 - Rs. 200000 Rs 15

The following documents are required to carry out IMPS fund transfers:

  • For P2P, Beneficiary's Registered mobile number and MMID number
  • For P2A, Beneficiary's bank account number and IFSC code
  • The amount that is to be remitted

About UCO Bank

Union Commercial Bank or UCO is a government-owned bank established in the year 1943. Its ownership is under the Ministery of Finance, Government of India. The headquarters of UCO are present in Kolkata at BTM Sarani.

About UCO Bank

The Bank has achieved a business of Rs 3.24 Lakh Crore in the present financial year. In the year 2017, UCO bank sourced 4000 plus service units with 49 zonal offices. It has achieved several awards and appreciation for its services.

In the year 2020, the Bank ranked 1948 in the Forbes Global list for the year 2018. Several UCO Bank branches are present overseas as well. Currently, it is serving as the 12th public sector bank in India. The Bank facilitates its customers with great solutions in the form of loans, proper investment solutions, and banking facilities.

UCO Bank offers a wide range of features, including multiple types of accounts and optimal services as support for senior citizens. The Bank's branches are spread across India, with a count of 3,078 branches and 2564 ATMs. UCO Bank has successfully turned into a support system whose vision is to satisfy customers.

The table below depicts the interest rates offered to general citizens and senior citizens for UCO Bank saving accounts as of 16.12.2020:

Tenure Period Interest Rates for General Citizens (%) Interest Rates for Senior Citizens (%)
7 days to 14 days 2.75 3.00
15 days to 29 days 2.75 3.00
30 days to 45 days 3.00 3.25
46 days to 60 days 3.75 4.00
61 months to 90 days 3.75 4.99
91 days to 120 days 3.90 4.00
120 days 150 days 3.90 4.16
150 days to 180 days 3.90 4.16
181 days to 364 days 4.70 4.98
1 year 4.90 5.25
1 year 1 day to 400 days 5.00 5.61
2 years 1 day to 3 years 5.00 5.77
3 years 1 day to 5 years 5.00 5.94
5 years 1 day to 10 years 5.00 6.28


To open a Savings Account in UCO bank, you need the following documents:


  • Address proof: Aaadhar card, Passport, and driving license
  • Identity proof: Aaadhar card, Passport, and driving license
  • Pan card or Form 16 if Pan card is unavailable
  • Two recent passport-size photographs


1. What happens if I enter the wrong IFSC Code of UCO Bank?
 If you enter the wrong IFSC code of UCO Bank along with a certain account holder's details, in most cases, the transaction will not go through as a matching account to the concerned branch will not be   validated through a wrong code.
2. Is the Bank Code Same as the IFSC code?
The IFSC code consists of the bank code. For instance, in UCBA0001979, UCBA is the bank code, and UCBA0001979 is the entire IFSC code. Thus, the bank code is a subset of the IFSC code.
3. What is the difference between an IBAN and a SWIFT Code?
 An IBAN or International Banking Account Number is used to identify an individual's bank account internationally for internal money transfers. A SWIFT code, on the other hand, identifies the Bank itself for communications of the transfer process.
4. Can the UCO Bank IFSC Code of two Bank Branches be the Same?
 The IFSC code of two UCO bank branches will never be entirely the same. While the bank code, country code, and standard digits in both bank branch IFSC codes can be the same, the identifying branch    code in the last six digits will always be distinct.