Use this page as a one-stop reference for everything related to UCO Bank's BALRAMPUR branch in BALRAMPUR, UTTAR PRADESH. The branch's IFSC code UCBA0002899 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.
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, UCBA0002899 is the IFSC of UCO Bank's BALRAMPUR branch. The format is fixed: UCBA = bank code, 0 = reserved, 002899 = branch identifier.
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Balrampur branch in Balrampur, Uttar Pradesh is part of this network and uses the IFSC code UCBA0002899 for all electronic settlement.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Balrampur |
| IFSC Code | UCBA0002899 |
| MICR Code | Refer to cheque leaf |
| Branch Address | OPP. RAMLILA GROUND, NEAR MAJOR CHAURAHA CITY PALACE ROAD BALRAMPUR ,BALRAMPUR ,UTTAR PRADESH PIN 271201 |
| City | Balrampur |
| District | Balrampur |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 9838666372 |
Balrampur branch overview
Located at OPP. RAMLILA GROUND, NEAR MAJOR CHAURAHA CITY PALACE ROAD BALRAMPUR ,BALRAMPUR ,UTTAR PRADESH PIN 271201, the Balrampur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0002899 is required for all interbank electronic transfers routed through this branch.
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 BALRAMPUR of UCO Bank — its own 11-character IFSC. The code UCBA0002899 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 UCBA0002899 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Balrampur branch is mapped to IFSC UCBA0002899 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 UCBA0002899.
Banking services available
The Balrampur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9838666372.
- 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 UCBA0002899
How to transfer money using IFSC UCBA0002899
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 UCBA0002899 across all three.
NEFT to UCO Bank, BALRAMPUR using IFSC UCBA0002899
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 UCBA0002899, and confirm that the system picks up UCO Bank – BALRAMPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0002899
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 – BALRAMPUR, ensure your bank's portal accepts IFSC UCBA0002899 while registering the beneficiary. RTGS is also available 24x7.
IMPS to UCO Bank BALRAMPUR (IFSC UCBA0002899)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0002899 in your mobile or internet banking app, and the money is credited to the BALRAMPUR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0002899 for UCO Bank – BALRAMPUR, 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 – UCBA0002899 | Yes – UCBA0002899 | Yes – UCBA0002899 |
For most retail customers crediting the Balrampur 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 BALRAMPUR branch, the IFSC UCBA0002899 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.
Digital banking channels
Most day-to-day work that customers used to do at the Balrampur 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 UCBA0002899 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.
MICR & cheque-truncation details
Cheques drawn on the Balrampur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0002899 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 – BALRAMPUR:
- The IFSC is exactly UCBA0002899 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 BALRAMPUR 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 Balrampur branch sits at OPP. RAMLILA GROUND, NEAR MAJOR CHAURAHA CITY PALACE ROAD BALRAMPUR ,BALRAMPUR ,UTTAR PRADESH PIN 271201. If you are travelling from outside Balrampur, search for the branch on a maps application using the bank name and locality, or call 91-9838666372 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 UCBA0002899 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0002899 for UCO Bank – BALRAMPUR, 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.
Working hours
Branch counters at Balrampur 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 UCBA0002899 continue to work without interruption.
Branch address & contact
UCO BankBalrampur Branch
OPP. RAMLILA GROUND, NEAR MAJOR CHAURAHA CITY PALACE ROAD BALRAMPUR ,BALRAMPUR ,UTTAR PRADESH PIN 271201
Balrampur, Uttar Pradesh
Phone: 91-9838666372
IFSC: UCBA0002899
Frequently asked questions
What is the phone number of UCO Bank Balrampur branch?
You can reach the branch at 91-9838666372 during regular banking hours.
Is IFSC UCBA0002899 the same for all accounts at Balrampur branch?
Yes. The IFSC UCBA0002899 is shared by every account held at UCO Bank's Balrampur branch. Only the account number changes from customer to customer.
How do I add UCO Bank Balrampur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0002899, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UCBA0002899 valid for NEFT and RTGS?
Yes. IFSC UCBA0002899 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Balrampur branch but serve different purposes.
How quickly will an NEFT transfer using UCBA0002899 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Balrampur reflect within 30 minutes.
Summary
The IFSC code UCBA0002899 belongs to UCO Bank's BALRAMPUR branch, located at OPP. RAMLILA GROUND, NEAR MAJOR CHAURAHA CITY PALACE ROAD BALRAMPUR ,BALRAMPUR… in BALRAMPUR, UTTAR PRADESH. 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.
