IFSC Code of UCO Bank, Ganj Muradabad Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to UCO Bank's GANJ MURADABAD branch in GANJ MURADABAD, UTTAR PRADESH. The branch's IFSC code UCBA0003230 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 – GANJ MURADABAD is UCBA0003230. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003230 map to this branch in GANJ MURADABAD, UTTAR PRADESH.

Branch details at a glance

About UCO Bank

UCO Bank operates a wide network of branches across India, including the Ganj Muradabad branch in Ganj Muradabad. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UCBA0003230.

Ganj Muradabad branch overview

Located at DIXIT MARKET GANJ MUARADABAD, UNNAO ,UTTAR PRADESH PIN 209869, the Ganj Muradabad branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0003230 is required for all interbank electronic transfers routed through this branch.

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 GANJ MURADABAD of UCO Bank — its own 11-character IFSC. The code UCBA0003230 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 UCBA0003230 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC UCBA0003230

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 UCBA0003230 across all three.

NEFT to UCO Bank, GANJ MURADABAD using IFSC UCBA0003230

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 UCBA0003230, and confirm that the system picks up UCO Bank – GANJ MURADABAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GANJ MURADABAD

If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's GANJ MURADABAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0003230 while initiating the transfer and the credit will appear within minutes.

IMPS to UCO Bank GANJ MURADABAD (IFSC UCBA0003230)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0003230 in your mobile or internet banking app, and the money is credited to the GANJ MURADABAD branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UCBA0003230 for UCO Bank – GANJ MURADABAD, 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.

For most retail customers crediting the Ganj Muradabad 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 UCBA0003230

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 – GANJ MURADABAD is still mapped to IFSC UCBA0003230. 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 UCBA0003230 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Ganj Muradabad branch is mapped to IFSC UCBA0003230 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 UCBA0003230.

Banking services available

The Ganj Muradabad branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8924961863.

• 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 UCBA0003230

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 UCBA0003230 and the account number together uniquely identify the Ganj Muradabad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC UCBA0003230

UCO Bank customers can register for net banking and the bank's official mobile app once their account at the GANJ MURADABAD 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 UCBA0003230 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.

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 – GANJ MURADABAD:

• The IFSC is exactly UCBA0003230 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 GANJ MURADABAD 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 Ganj Muradabad branch

The branch is located at DIXIT MARKET GANJ MUARADABAD, UNNAO ,UTTAR PRADESH PIN 209869, which puts it inside Ganj Muradabad, the broader Unnao district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “UCO Bank Ganj Muradabad branch” — the verified location pin for IFSC UCBA0003230 should appear at the top of the results.
2. Confirm the branch is open by calling 91-8924961863 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 UCBA0003230 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UCBA0003230 for UCO Bank – GANJ MURADABAD, 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 Ganj Muradabad 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 UCBA0003230 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UCBA0003230 belongs to UCO Bank's GANJ MURADABAD branch, located at DIXIT MARKET GANJ MUARADABAD, UNNAO ,UTTAR PRADESH PIN 209869 in GANJ MURADABAD, UTTAR PRADESH. 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.