Use this page as a one-stop reference for everything related to UCO Bank's CHALAKUDY branch in CHALAKUDY, KERALA. The branch's IFSC code UCBA0003585 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 CHALAKUDY branch, the IFSC UCBA0003585 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 003585 identifies this particular branch.
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Chalakudy branch in Chalakudy, Kerala is part of this network and uses the IFSC code UCBA0003585 for all electronic settlement.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Chalakudy |
| IFSC Code | UCBA0003585 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR , KIDANGAN ARCADE , PAM ROAD , CHALAKUDY, DIST THRISSUR ,KERALA ,680307 |
| City | Chalakudy |
| District | Thrissur |
| State | Kerala |
| STD Code | 91 |
| Phone | 9147403510 |
About the Chalakudy branch
The Chalakudy branch of UCO Bank is situated at GROUND FLOOR , KIDANGAN ARCADE , PAM ROAD , CHALAKUDY, DIST THRISSUR ,KERALA ,680307. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code UCBA0003585 is used.
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 CHALAKUDY of UCO Bank — its own 11-character IFSC. The code UCBA0003585 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 UCBA0003585 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 Chalakudy branch is mapped to IFSC UCBA0003585 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 UCBA0003585.
Banking services available
The Chalakudy branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9147403510.
- 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 UCBA0003585
How to transfer money using IFSC UCBA0003585
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 UCBA0003585 across all three.
How to use IFSC UCBA0003585 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's CHALAKUDY 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 UCBA0003585.
- Confirm the bank name auto-populates as UCO Bank and the branch as CHALAKUDY.
- 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 CHALAKUDY
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's CHALAKUDY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0003585 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – CHALAKUDY, use IMPS. With IFSC UCBA0003585 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 UCBA0003585 for UCO Bank – CHALAKUDY, 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 – UCBA0003585 | Yes – UCBA0003585 | Yes – UCBA0003585 |
For most retail customers crediting the Chalakudy 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 CHALAKUDY branch, the IFSC UCBA0003585 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.
Online banking and IFSC UCBA0003585
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the CHALAKUDY 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 UCBA0003585 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 Chalakudy branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0003585 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC UCBA0003585
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 – CHALAKUDY, 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:
UCBA0003585. - 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.
How to reach the Chalakudy branch
The branch is located at GROUND FLOOR , KIDANGAN ARCADE , PAM ROAD , CHALAKUDY, DIST THRISSUR ,KERALA ,680307, which puts it inside Chalakudy, the broader Thrissur district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Chalakudy branch” — the verified location pin for IFSC UCBA0003585 should appear at the top of the results.
- Confirm the branch is open by calling 91-9147403510 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 UCBA0003585 and your account number.
Verifying IFSC UCBA0003585 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 UCBA0003585 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9147403510.
- Visiting the bank's official branch locator page.
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 Chalakudy branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0003585, however, work 24x7.
Branch address & contact
UCO BankChalakudy Branch
GROUND FLOOR , KIDANGAN ARCADE , PAM ROAD , CHALAKUDY, DIST THRISSUR ,KERALA ,680307
Chalakudy, Kerala
Phone: 91-9147403510
IFSC: UCBA0003585
Frequently asked questions
Where is UCO Bank Chalakudy branch located?
UCO Bank's Chalakudy branch is located at GROUND FLOOR , KIDANGAN ARCADE , PAM ROAD , CHALAKUDY, DIST THRISSUR ,KERALA ,680307, Chalakudy, Kerala.
Can I use IFSC UCBA0003585 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0003585 to send funds instantly.
How do I add UCO Bank Chalakudy as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0003585, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UCBA0003585 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Chalakudy reflect within 30 minutes.
What is the IFSC code of UCO Bank Chalakudy branch?
The IFSC code of UCO Bank, Chalakudy branch is UCBA0003585. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of UCO Bank Chalakudy branch?
You can reach the branch at 91-9147403510 during regular banking hours.
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 Chalakudy branch but serve different purposes.
Does UCO Bank Chalakudy branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9147403510 to confirm.
Final notes
To recap: UCBA0003585 is the IFSC code of UCO Bank, CHALAKUDY branch, in CHALAKUDY, KERALA. 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.
