If you are searching for the IFSC code of UCO Bank, RAMNAGAR branch in EAST MIDNAPORE, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is UCBA0003726. 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 RAMNAGAR branch, and detailed step-by-step guides for using the IFSC UCBA0003726 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 – RAMNAGAR is UCBA0003726. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003726 map to this branch in EAST MIDNAPORE, WEST BENGAL.
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ramnagar branch in East Midnapore, West Bengal is part of this network and uses the IFSC code UCBA0003726 for all electronic settlement.
About the Ramnagar branch
The Ramnagar branch of UCO Bank is situated at UCO BANK RAMNAGAR, GROUND FLOOR, DIGHA CONTAI ROAD, VILL- TALGACHHARI, PO/PS- RAMNAGAR, DIST- EAST MIDNAPORE, WEST BENGAL PO-721441. 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 UCBA0003726 is used.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Ramnagar |
| IFSC Code | UCBA0003726 |
| MICR Code | Refer to cheque leaf |
| Branch Address | UCO BANK RAMNAGAR, GROUND FLOOR, DIGHA CONTAI ROAD, VILL- TALGACHHARI, PO/PS- RAMNAGAR, DIST- EAST MIDNAPORE, WEST BENGAL PO-721441 |
| City | East Midnapore |
| District | East Midnapore |
| State | West Bengal |
| STD Code | 0 |
| Phone | 9831931317 |
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 RAMNAGAR branch came to be assigned the code UCBA0003726.
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 UCBA0003726, money simply cannot be routed to the RAMNAGAR branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Ramnagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0003726 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC UCBA0003726
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 UCBA0003726 across all three.
NEFT to UCO Bank, RAMNAGAR using IFSC UCBA0003726
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 UCBA0003726, and confirm that the system picks up UCO Bank – RAMNAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to RAMNAGAR
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's RAMNAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0003726 while initiating the transfer and the credit will appear within minutes.
IMPS to UCO Bank RAMNAGAR (IFSC UCBA0003726)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0003726 in your mobile or internet banking app, and the money is credited to the RAMNAGAR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0003726 for UCO Bank – RAMNAGAR, 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 – UCBA0003726 | Yes – UCBA0003726 | Yes – UCBA0003726 |
For most retail customers crediting the Ramnagar 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 UCBA0003726
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 – RAMNAGAR is still mapped to IFSC UCBA0003726. 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 UCBA0003726 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Ramnagar branch is mapped to IFSC UCBA0003726 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 UCBA0003726.
Products and services
Customers walking into the Ramnagar branch can access most of UCO Bank's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC UCBA0003726
Online banking and IFSC UCBA0003726
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the RAMNAGAR 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 UCBA0003726 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.
Reaching the branch
The Ramnagar branch sits at UCO BANK RAMNAGAR, GROUND FLOOR, DIGHA CONTAI ROAD, VILL- TALGACHHARI, PO/PS- RAMNAGAR, DIST- EAST MIDNAPORE, WEST BENGAL PO-721441. If you are travelling from outside East Midnapore, search for the branch on a maps application using the bank name and locality, or call 9831931317 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 UCBA0003726 and your account number.
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 – RAMNAGAR:
- The IFSC is exactly UCBA0003726 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 RAMNAGAR 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.
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 Ramnagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0003726, however, work 24x7.
Verifying IFSC UCBA0003726 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 UCBA0003726 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 9831931317.
- Visiting the bank's official branch locator page.
Branch address & contact
UCO BankRamnagar Branch
UCO BANK RAMNAGAR, GROUND FLOOR, DIGHA CONTAI ROAD, VILL- TALGACHHARI, PO/PS- RAMNAGAR, DIST- EAST MIDNAPORE, WEST BENGAL PO-721441
East Midnapore, West Bengal
Phone: 9831931317
IFSC: UCBA0003726
Frequently asked questions
Is IFSC UCBA0003726 valid for NEFT and RTGS?
Yes. IFSC UCBA0003726 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add UCO Bank Ramnagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0003726, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UCBA0003726 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Ramnagar reflect within 30 minutes.
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 Ramnagar branch but serve different purposes.
Where is UCO Bank Ramnagar branch located?
UCO Bank's Ramnagar branch is located at UCO BANK RAMNAGAR, GROUND FLOOR, DIGHA CONTAI ROAD, VILL- TALGACHHARI, PO/PS- RAMNAGAR, DIST- EAST MIDNAPORE, WEST BENGAL PO-721441, East Midnapore, West Bengal.
Does UCO Bank Ramnagar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 9831931317 to confirm.
Summary
The IFSC code UCBA0003726 belongs to UCO Bank's RAMNAGAR branch, located at UCO BANK RAMNAGAR, GROUND FLOOR, DIGHA CONTAI ROAD, VILL- TALGACHHARI, PO/PS-… in EAST MIDNAPORE, 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.
