IFSC Code of UCO Bank, Ganeswarpur Ind Estate Branch, Odisha

Use this page as a one-stop reference for everything related to UCO Bank's GANESWARPUR IND ESTATE branch in BALASORE, ODISHA. The branch's IFSC code UCBA0001291 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 GANESWARPUR IND ESTATE branch, the IFSC UCBA0001291 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 001291 identifies this particular branch.

Bank profile

UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ganeswarpur Ind Estate branch — IFSC UCBA0001291 — extends the bank's services to customers in and around Balasore, Odisha.

Ganeswarpur Ind Estate branch overview

Located at REMUNAGOLAI JANUGANJ ,BALESHWAR ,ODISHA PIN 756019, the Ganeswarpur Ind Estate branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0001291 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 GANESWARPUR IND ESTATE branch came to be assigned the code UCBA0001291.

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 UCBA0001291, money simply cannot be routed to the GANESWARPUR IND ESTATE branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Ganeswarpur Ind Estate branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0001291 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC UCBA0001291

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 UCBA0001291 across all three.

NEFT to UCO Bank, GANESWARPUR IND ESTATE using IFSC UCBA0001291

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC UCBA0001291, and confirm that the system picks up UCO Bank – GANESWARPUR IND ESTATE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GANESWARPUR IND ESTATE

If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's GANESWARPUR IND ESTATE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0001291 while initiating the transfer and the credit will appear within minutes.

IMPS to UCO Bank GANESWARPUR IND ESTATE (IFSC UCBA0001291)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0001291 in your mobile or internet banking app, and the money is credited to the GANESWARPUR IND ESTATE branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ganeswarpur Ind Estate

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 UCBA0001291:

• 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 GANESWARPUR IND ESTATE is still linked to IFSC UCBA0001291.

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 UCBA0001291

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 – GANESWARPUR IND ESTATE is still mapped to IFSC UCBA0001291. 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 UCBA0001291 and the beneficiary's account number to complete the transfer.

Account types you can open at the Ganeswarpur Ind Estate branch

Once you have an account at UCO Bank – GANESWARPUR IND ESTATE, the IFSC UCBA0001291 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Ganeswarpur Ind Estate 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 UCBA0001291

Digital banking channels

Most day-to-day work that customers used to do at the Ganeswarpur Ind Estate 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 UCBA0001291 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.

How to reach the Ganeswarpur Ind Estate branch

The branch is located at REMUNAGOLAI JANUGANJ ,BALESHWAR ,ODISHA PIN 756019, which puts it inside Balasore, the broader Balasore district, and the state of Odisha. To plan your visit:

1. Open Google Maps on your phone and search for “UCO Bank Ganeswarpur Ind Estate branch” — the verified location pin for IFSC UCBA0001291 should appear at the top of the results.
2. Confirm the branch is open by calling 6781-254701 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC UCBA0001291 and your account number.

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 – GANESWARPUR IND ESTATE:

• The IFSC is exactly UCBA0001291 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 GANESWARPUR IND ESTATE 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.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Ganeswarpur Ind Estate branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0001291, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UCBA0001291 for UCO Bank – GANESWARPUR IND ESTATE, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UCBA0001291 belongs to UCO Bank's GANESWARPUR IND ESTATE branch, located at REMUNAGOLAI JANUGANJ ,BALESHWAR ,ODISHA PIN 756019 in BALASORE, ODISHA. 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.