If you are searching for the IFSC code of UCO Bank, ARAMBAGH branch in ARAMBAGH, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is UCBA0001061. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the ARAMBAGH branch, and detailed step-by-step guides for using the IFSC UCBA0001061 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For UCO Bank's ARAMBAGH branch, the IFSC UCBA0001061 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 001061 identifies this particular branch.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Arambagh |
| IFSC Code | UCBA0001061 |
| MICR Code | Refer to cheque leaf |
| Branch Address | UCO BANK GOURHATI MORE P.O ARAMBAGH HOOGHLY ,HUGLI ,WEST BENGAL PIN 712601 |
| City | Arambagh |
| District | Hugli |
| State | West Bengal |
| STD Code | 33 |
| Phone | 255247 |
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Arambagh branch in Arambagh, West Bengal is part of this network and uses the IFSC code UCBA0001061 for all electronic settlement.
About the Arambagh branch
The Arambagh branch of UCO Bank is situated at UCO BANK GOURHATI MORE P.O ARAMBAGH HOOGHLY ,HUGLI ,WEST BENGAL PIN 712601. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code UCBA0001061 is used.
Why every UCO Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including ARAMBAGH of UCO Bank — its own 11-character IFSC. The code UCBA0001061 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC UCBA0001061 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC UCBA0001061
Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC UCBA0001061 across all three.
How to use IFSC UCBA0001061 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's ARAMBAGH branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC UCBA0001061.
- Confirm the bank name auto-populates as UCO Bank and the branch as ARAMBAGH.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UCBA0001061
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to UCO Bank – ARAMBAGH, ensure your bank's portal accepts IFSC UCBA0001061 while registering the beneficiary. RTGS is also available 24x7.
IMPS to UCO Bank ARAMBAGH (IFSC UCBA0001061)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0001061 in your mobile or internet banking app, and the money is credited to the ARAMBAGH branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Arambagh
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC UCBA0001061:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at ARAMBAGH is still linked to IFSC UCBA0001061.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
UPI payments and IFSC UCBA0001061
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at UCO Bank – ARAMBAGH is still mapped to IFSC UCBA0001061. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC UCBA0001061 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Arambagh branch is mapped to IFSC UCBA0001061 on the RBI payments network. The branch generally supports the full retail product catalogue of UCO Bank, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains UCBA0001061.
Products and services
Customers walking into the Arambagh branch can access most of UCO Bank's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC UCBA0001061
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by UCO Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC UCBA0001061 and the account number together uniquely identify the Arambagh branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Arambagh branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC UCBA0001061 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
Things to verify before sending money
Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to UCO Bank – ARAMBAGH:
- The IFSC is exactly UCBA0001061 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills UCO Bank as the bank name and ARAMBAGH as the branch.
- The amount and the purpose of payment are correct.
- You have a valid OTP-verifying mobile number on hand.
A 30-second review here saves hours of reconciliation later.
Reaching the branch
The Arambagh branch sits at UCO BANK GOURHATI MORE P.O ARAMBAGH HOOGHLY ,HUGLI ,WEST BENGAL PIN 712601. If you are travelling from outside Arambagh, search for the branch on a maps application using the bank name and locality, or call 33-255247 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC UCBA0001061 and your account number.
Verifying IFSC UCBA0001061 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm UCBA0001061 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 33-255247.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Arambagh are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to UCBA0001061 continue to work without interruption.
Branch address & contact
UCO BankArambagh Branch
UCO BANK GOURHATI MORE P.O ARAMBAGH HOOGHLY ,HUGLI ,WEST BENGAL PIN 712601
Arambagh, West Bengal
Phone: 33-255247
IFSC: UCBA0001061
Frequently asked questions
Is IFSC UCBA0001061 valid for NEFT and RTGS?
Yes. IFSC UCBA0001061 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC UCBA0001061 the same for all accounts at Arambagh branch?
Yes. The IFSC UCBA0001061 is shared by every account held at UCO Bank's Arambagh branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using UCBA0001061 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Arambagh reflect within 30 minutes.
Where is UCO Bank Arambagh branch located?
UCO Bank's Arambagh branch is located at UCO BANK GOURHATI MORE P.O ARAMBAGH HOOGHLY ,HUGLI ,WEST BENGAL PIN 712601, Arambagh, West Bengal.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Arambagh branch but serve different purposes.
How do I add UCO Bank Arambagh as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0001061, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of UCO Bank Arambagh branch?
You can reach the branch at 33-255247 during regular banking hours.
Can I use IFSC UCBA0001061 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0001061 to send funds instantly.
Final notes
To recap: UCBA0001061 is the IFSC code of UCO Bank, ARAMBAGH branch, in ARAMBAGH, WEST BENGAL. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
