If you are searching for the IFSC code of UCO Bank, BALIA branch in BALIA, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is UCBA0003317. 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 BALIA branch, and detailed step-by-step guides for using the IFSC UCBA0003317 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.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for UCO Bank – BALIA is UCBA0003317. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003317 map to this branch in BALIA, WEST BENGAL.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Balia |
| IFSC Code | UCBA0003317 |
| MICR Code | Refer to cheque leaf |
| Branch Address | CHAKDAHA, BONGAON STATE HIGHWAY, BALIA BAZAR, BALIA ,NADIA ,WEST BENGAL PIN 741223 |
| City | Balia |
| District | Nadia |
| State | West Bengal |
| STD Code | 91 |
| Phone | 9457744866 |
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Balia branch in Balia, West Bengal is part of this network and uses the IFSC code UCBA0003317 for all electronic settlement.
About this branch
The branch is located at CHAKDAHA, BONGAON STATE HIGHWAY, BALIA BAZAR, BALIA ,NADIA ,WEST BENGAL PIN 741223. It serves the Balia region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of UCO Bank. The IFSC UCBA0003317 is used to identify this branch on the RBI payments network.
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 BALIA branch came to be assigned the code UCBA0003317.
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 UCBA0003317, money simply cannot be routed to the BALIA branch electronically.
How to transfer money using IFSC UCBA0003317
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 UCBA0003317 across all three.
NEFT to UCO Bank, BALIA using IFSC UCBA0003317
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 UCBA0003317, and confirm that the system picks up UCO Bank – BALIA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0003317
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 – BALIA, ensure your bank's portal accepts IFSC UCBA0003317 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – BALIA, use IMPS. With IFSC UCBA0003317 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0003317 for UCO Bank – BALIA, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – UCBA0003317 | Yes – UCBA0003317 | Yes – UCBA0003317 |
For most retail customers crediting the Balia branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at UCO Bank's BALIA branch, the IFSC UCBA0003317 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Products and account variants supported
Every account opened at the Balia branch is mapped to IFSC UCBA0003317 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 UCBA0003317.
Banking services available
The Balia branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9457744866.
- 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 UCBA0003317
MICR & cheque-truncation details
Cheques drawn on the Balia branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0003317 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Balia 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 UCBA0003317 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.
Common mistakes to avoid when using IFSC UCBA0003317
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to UCO Bank – BALIA, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
UCBA0003317. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Reaching the branch
The Balia branch sits at CHAKDAHA, BONGAON STATE HIGHWAY, BALIA BAZAR, BALIA ,NADIA ,WEST BENGAL PIN 741223. If you are travelling from outside Balia, search for the branch on a maps application using the bank name and locality, or call 91-9457744866 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 UCBA0003317 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0003317 for UCO Bank – BALIA, 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 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 Balia branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0003317, however, work 24x7.
Branch address & contact
UCO BankBalia Branch
CHAKDAHA, BONGAON STATE HIGHWAY, BALIA BAZAR, BALIA ,NADIA ,WEST BENGAL PIN 741223
Balia, West Bengal
Phone: 91-9457744866
IFSC: UCBA0003317
Frequently asked questions
What is the IFSC code of UCO Bank Balia branch?
The IFSC code of UCO Bank, Balia branch is UCBA0003317. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using UCBA0003317 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Balia reflect within 30 minutes.
What is the phone number of UCO Bank Balia branch?
You can reach the branch at 91-9457744866 during regular banking hours.
Is IFSC UCBA0003317 the same for all accounts at Balia branch?
Yes. The IFSC UCBA0003317 is shared by every account held at UCO Bank's Balia branch. Only the account number changes from customer to customer.
How do I add UCO Bank Balia as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0003317, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is UCO Bank Balia branch located?
UCO Bank's Balia branch is located at CHAKDAHA, BONGAON STATE HIGHWAY, BALIA BAZAR, BALIA ,NADIA ,WEST BENGAL PIN 741223, Balia, West Bengal.
Does UCO Bank Balia branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9457744866 to confirm.
Final notes
To recap: UCBA0003317 is the IFSC code of UCO Bank, BALIA branch, in BALIA, 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.
