If you are searching for the IFSC code of UCO Bank, BANARPAL branch in BANARPAL, ODISHA, this page has every detail you need. The verified IFSC code for this branch is UCBA0000983. 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 BANARPAL branch, and detailed step-by-step guides for using the IFSC UCBA0000983 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.
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, UCBA0000983 is the IFSC of UCO Bank's BANARPAL branch. The format is fixed: UCBA = bank code, 0 = reserved, 000983 = branch identifier.
Bank profile
UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Banarpal branch — IFSC UCBA0000983 — extends the bank's services to customers in and around Banarpal, Odisha.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Banarpal |
| IFSC Code | UCBA0000983 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT PO PS BANARPAL DIST ANGUL ,ANUGUL ,ODISHA PIN 759128 |
| City | Banarpal |
| District | Angul |
| State | Odisha |
| STD Code | 6764 |
| Phone | 229228 |
About this branch
The branch is located at AT PO PS BANARPAL DIST ANGUL ,ANUGUL ,ODISHA PIN 759128. It serves the Banarpal 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 UCBA0000983 is used to identify this branch on the RBI payments network.
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 BANARPAL of UCO Bank — its own 11-character IFSC. The code UCBA0000983 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 UCBA0000983 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Banarpal branch
Once you have an account at UCO Bank – BANARPAL, the IFSC UCBA0000983 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.
Banking services available
The Banarpal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 6764-229228.
- 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 UCBA0000983
How to transfer money using IFSC UCBA0000983
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 UCBA0000983 across all three.
How to use IFSC UCBA0000983 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's BANARPAL 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 UCBA0000983.
- Confirm the bank name auto-populates as UCO Bank and the branch as BANARPAL.
- 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 BANARPAL
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's BANARPAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0000983 while initiating the transfer and the credit will appear within minutes.
IMPS to UCO Bank BANARPAL (IFSC UCBA0000983)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0000983 in your mobile or internet banking app, and the money is credited to the BANARPAL branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0000983 for UCO Bank – BANARPAL, 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 – UCBA0000983 | Yes – UCBA0000983 | Yes – UCBA0000983 |
For most retail customers crediting the Banarpal 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.
UPI payments and IFSC UCBA0000983
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 – BANARPAL is still mapped to IFSC UCBA0000983. 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 UCBA0000983 and the beneficiary's account number to complete the transfer.
Online banking and IFSC UCBA0000983
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the BANARPAL 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 UCBA0000983 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 Banarpal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0000983 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 – BANARPAL:
- The IFSC is exactly UCBA0000983 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 BANARPAL 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.
How to reach the Banarpal branch
The branch is located at AT PO PS BANARPAL DIST ANGUL ,ANUGUL ,ODISHA PIN 759128, which puts it inside Banarpal, the broader Angul district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Banarpal branch” — the verified location pin for IFSC UCBA0000983 should appear at the top of the results.
- Confirm the branch is open by calling 6764-229228 before stepping out, especially around public holidays.
- 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 UCBA0000983 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0000983 for UCO Bank – BANARPAL, 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 Banarpal 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 UCBA0000983 continue to work without interruption.
Branch address & contact
UCO BankBanarpal Branch
AT PO PS BANARPAL DIST ANGUL ,ANUGUL ,ODISHA PIN 759128
Banarpal, Odisha
Phone: 6764-229228
IFSC: UCBA0000983
Frequently asked questions
What is the phone number of UCO Bank Banarpal branch?
You can reach the branch at 6764-229228 during regular banking hours.
Is IFSC UCBA0000983 valid for NEFT and RTGS?
Yes. IFSC UCBA0000983 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add UCO Bank Banarpal as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0000983, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UCBA0000983 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Banarpal reflect within 30 minutes.
Where is UCO Bank Banarpal branch located?
UCO Bank's Banarpal branch is located at AT PO PS BANARPAL DIST ANGUL ,ANUGUL ,ODISHA PIN 759128, Banarpal, Odisha.
Does UCO Bank Banarpal branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 6764-229228 to confirm.
Summary
The IFSC code UCBA0000983 belongs to UCO Bank's BANARPAL branch, located at AT PO PS BANARPAL DIST ANGUL ,ANUGUL ,ODISHA PIN 759128 in BANARPAL, 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.
