Below are the complete branch details for UCO Bank, GAGRET branch, located in GAGRET, HIMACHAL PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is UCBA0002227. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UCBA0002227 for UCO Bank – GAGRET — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – GAGRET is UCBA0002227. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002227 map to this branch in GAGRET, HIMACHAL PRADESH.
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Gagret branch in Gagret, Himachal Pradesh is part of this network and uses the IFSC code UCBA0002227 for all electronic settlement.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Gagret |
| IFSC Code | UCBA0002227 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BHARWAIN ROAD GAGRET TEH.AMB DISTT.UNA ,UNA ,HIMACHAL PRADESH PIN 177201 |
| City | Gagret |
| District | Una |
| State | Himachal Pradesh |
| STD Code | 91 |
| Phone | 9816683995 |
About this branch
The branch is located at BHARWAIN ROAD GAGRET TEH.AMB DISTT.UNA ,UNA ,HIMACHAL PRADESH PIN 177201. It serves the Gagret 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 UCBA0002227 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 GAGRET of UCO Bank — its own 11-character IFSC. The code UCBA0002227 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 UCBA0002227 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 Gagret branch is mapped to IFSC UCBA0002227 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 UCBA0002227.
Products and services
Customers walking into the Gagret 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 UCBA0002227
How to transfer money using IFSC UCBA0002227
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 UCBA0002227 across all three.
NEFT to UCO Bank, GAGRET using IFSC UCBA0002227
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 UCBA0002227, and confirm that the system picks up UCO Bank – GAGRET. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0002227
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 – GAGRET, ensure your bank's portal accepts IFSC UCBA0002227 while registering the beneficiary. RTGS is also available 24x7.
IMPS to UCO Bank GAGRET (IFSC UCBA0002227)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0002227 in your mobile or internet banking app, and the money is credited to the GAGRET branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0002227 for UCO Bank – GAGRET, 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 – UCBA0002227 | Yes – UCBA0002227 | Yes – UCBA0002227 |
For most retail customers crediting the Gagret 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 GAGRET branch, the IFSC UCBA0002227 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 UCBA0002227
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the GAGRET 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 UCBA0002227 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 Gagret branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0002227 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 – GAGRET:
- The IFSC is exactly UCBA0002227 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 GAGRET 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 Gagret branch
The branch is located at BHARWAIN ROAD GAGRET TEH.AMB DISTT.UNA ,UNA ,HIMACHAL PRADESH PIN 177201, which puts it inside Gagret, the broader Una district, and the state of Himachal Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Gagret branch” — the verified location pin for IFSC UCBA0002227 should appear at the top of the results.
- Confirm the branch is open by calling 91-9816683995 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 UCBA0002227 and your account number.
Verifying IFSC UCBA0002227 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 UCBA0002227 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9816683995.
- 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 Gagret branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0002227, however, work 24x7.
Branch address & contact
UCO BankGagret Branch
BHARWAIN ROAD GAGRET TEH.AMB DISTT.UNA ,UNA ,HIMACHAL PRADESH PIN 177201
Gagret, Himachal Pradesh
Phone: 91-9816683995
IFSC: UCBA0002227
Frequently asked questions
Does UCO Bank Gagret branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9816683995 to confirm.
How do I add UCO Bank Gagret as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0002227, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of UCO Bank Gagret branch?
The IFSC code of UCO Bank, Gagret branch is UCBA0002227. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is UCO Bank Gagret branch located?
UCO Bank's Gagret branch is located at BHARWAIN ROAD GAGRET TEH.AMB DISTT.UNA ,UNA ,HIMACHAL PRADESH PIN 177201, Gagret, Himachal Pradesh.
Is IFSC UCBA0002227 valid for NEFT and RTGS?
Yes. IFSC UCBA0002227 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC UCBA0002227 the same for all accounts at Gagret branch?
Yes. The IFSC UCBA0002227 is shared by every account held at UCO Bank's Gagret branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using UCBA0002227 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Gagret reflect within 30 minutes.
What is the phone number of UCO Bank Gagret branch?
You can reach the branch at 91-9816683995 during regular banking hours.
Final notes
To recap: UCBA0002227 is the IFSC code of UCO Bank, GAGRET branch, in GAGRET, HIMACHAL PRADESH. 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.
