IFSC Code of UCO Bank, Asansol Rail Par Branch, West Bengal

This page lists the IFSC code, branch address, contact number and fund-transfer information for UCO Bank, ASANSOL RAIL PAR branch in ASANSOL. The 11-digit IFSC UCBA0003278 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with UCO Bank at the ASANSOL RAIL PAR location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, UCBA0003278 is the IFSC of UCO Bank's ASANSOL RAIL PAR branch. The format is fixed: UCBA = bank code, 0 = reserved, 003278 = branch identifier.

About UCO Bank

UCO Bank operates a wide network of branches across India, including the Asansol Rail Par branch in Asansol. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UCBA0003278.

Branch details at a glance

Asansol Rail Par branch overview

Located at AT DHADHKA ROAD NEAR KAJAL BAKERY RAILPAR ASANSOL ,PASCHIM BARDHAMAN ,WEST BENGAL PIN 713302, the Asansol Rail Par branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0003278 is required for all interbank electronic transfers routed through this branch.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how UCO Bank's ASANSOL RAIL PAR branch came to be assigned the code UCBA0003278.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC UCBA0003278, money simply cannot be routed to the ASANSOL RAIL PAR branch electronically.

Products and account variants supported

Every account opened at the Asansol Rail Par branch is mapped to IFSC UCBA0003278 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 UCBA0003278.

Banking services available

The Asansol Rail Par branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-2266547342.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC UCBA0003278

How to transfer money using IFSC UCBA0003278

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 UCBA0003278 across all three.

How to use IFSC UCBA0003278 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's ASANSOL RAIL PAR 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UCBA0003278.
4. Confirm the bank name auto-populates as UCO Bank and the branch as ASANSOL RAIL PAR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to ASANSOL RAIL PAR

If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's ASANSOL RAIL PAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0003278 while initiating the transfer and the credit will appear within minutes.

IMPS to UCO Bank ASANSOL RAIL PAR (IFSC UCBA0003278)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0003278 in your mobile or internet banking app, and the money is credited to the ASANSOL RAIL PAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Asansol Rail Par

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 UCBA0003278:

• 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 ASANSOL RAIL PAR is still linked to IFSC UCBA0003278.

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 UCBA0003278

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 – ASANSOL RAIL PAR is still mapped to IFSC UCBA0003278. 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 UCBA0003278 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UCBA0003278

UCO Bank customers can register for net banking and the bank's official mobile app once their account at the ASANSOL RAIL PAR branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC UCBA0003278 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

MICR & cheque-truncation details

Cheques drawn on the Asansol Rail Par branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0003278 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – ASANSOL RAIL PAR:

• The IFSC is exactly UCBA0003278 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 ASANSOL RAIL PAR 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 Asansol Rail Par branch sits at AT DHADHKA ROAD NEAR KAJAL BAKERY RAILPAR ASANSOL ,PASCHIM BARDHAMAN ,WEST BENGAL PIN 713302. If you are travelling from outside Asansol, search for the branch on a maps application using the bank name and locality, or call 91-2266547342 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 UCBA0003278 and your account number.

Verifying IFSC UCBA0003278 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 UCBA0003278 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-2266547342.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Asansol Rail Par 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 UCBA0003278 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UCBA0003278 belongs to UCO Bank's ASANSOL RAIL PAR branch, located at AT DHADHKA ROAD NEAR KAJAL BAKERY RAILPAR ASANSOL ,PASCHIM BARDHAMAN ,WEST… in ASANSOL, WEST BENGAL. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.