IFSC Code of UCO Bank, Arrah Branch, West Bengal

Use this page as a one-stop reference for everything related to UCO Bank's ARRAH branch in DURGAPUR, WEST BENGAL. The branch's IFSC code UCBA0003015 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.

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 – ARRAH is UCBA0003015. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003015 map to this branch in DURGAPUR, WEST BENGAL.

Bank profile

UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Arrah branch — IFSC UCBA0003015 — extends the bank's services to customers in and around Durgapur, West Bengal.

Branch details at a glance

About the Arrah branch

The Arrah branch of UCO Bank is situated at VILL PO ARRAH, DURGAPUR 713212. DT BURDWAN ,PASCHIM BARDHAMAN ,WEST BENGAL PIN 713212. 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 UCBA0003015 is used.

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 ARRAH branch came to be assigned the code UCBA0003015.

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 UCBA0003015, money simply cannot be routed to the ARRAH branch electronically.

Products and account variants supported

Every account opened at the Arrah branch is mapped to IFSC UCBA0003015 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 UCBA0003015.

Banking services available

The Arrah branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9851050647.

• 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 UCBA0003015

How to transfer money using IFSC UCBA0003015

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 UCBA0003015 across all three.

NEFT to UCO Bank, ARRAH using IFSC UCBA0003015

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 UCBA0003015, and confirm that the system picks up UCO Bank – ARRAH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to ARRAH

If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's ARRAH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0003015 while initiating the transfer and the credit will appear within minutes.

IMPS to UCO Bank ARRAH (IFSC UCBA0003015)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0003015 in your mobile or internet banking app, and the money is credited to the ARRAH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Arrah

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 UCBA0003015:

• 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 ARRAH is still linked to IFSC UCBA0003015.

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 UCBA0003015

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 – ARRAH is still mapped to IFSC UCBA0003015. 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 UCBA0003015 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UCBA0003015

UCO Bank customers can register for net banking and the bank's official mobile app once their account at the ARRAH 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 UCBA0003015 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 code & cheque clearing

Apart from IFSC, every cheque book issued by UCO Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC UCBA0003015 and the account number together uniquely identify the Arrah branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC UCBA0003015

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 – ARRAH, 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: UCBA0003015.
• 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 Arrah branch

The branch is located at VILL PO ARRAH, DURGAPUR 713212. DT BURDWAN ,PASCHIM BARDHAMAN ,WEST BENGAL PIN 713212, which puts it inside Durgapur, the broader Burdwan district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “UCO Bank Arrah branch” — the verified location pin for IFSC UCBA0003015 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9851050647 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 UCBA0003015 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UCBA0003015 for UCO Bank – ARRAH, 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 Arrah branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0003015, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UCBA0003015 belongs to UCO Bank's ARRAH branch, located at VILL PO ARRAH, DURGAPUR 713212. DT BURDWAN ,PASCHIM BARDHAMAN ,WEST BENGAL PIN… in DURGAPUR, WEST BENGAL. 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.