Use this page as a one-stop reference for everything related to UCO Bank's GHORAWAL branch in GHARAWAL, UTTAR PRADESH. The branch's IFSC code UCBA0000652 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, UCBA0000652 is the IFSC of UCO Bank's GHORAWAL branch. The format is fixed: UCBA = bank code, 0 = reserved, 000652 = branch identifier.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Ghorawal |
| IFSC Code | UCBA0000652 |
| MICR Code | Refer to cheque leaf |
| Branch Address | UCO BANK GHORAWAL DIST SONEBHADRA UP TOWN AREA GHORAWAL DIST.SONBHADRA S TATE. ,SONBHADRA ,UTTAR PRADESH PIN 231210 |
| City | Gharawal |
| District | Sonbhadra |
| State | Uttar Pradesh |
| STD Code | 5444 |
| Phone | 285224 |
Bank profile
UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ghorawal branch — IFSC UCBA0000652 — extends the bank's services to customers in and around Gharawal, Uttar Pradesh.
About the Ghorawal branch
The Ghorawal branch of UCO Bank is situated at UCO BANK GHORAWAL DIST SONEBHADRA UP TOWN AREA GHORAWAL DIST.SONBHADRA S TATE. ,SONBHADRA ,UTTAR PRADESH PIN 231210. 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 UCBA0000652 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 GHORAWAL of UCO Bank — its own 11-character IFSC. The code UCBA0000652 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 UCBA0000652 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 UCBA0000652
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 UCBA0000652 across all three.
NEFT to UCO Bank, GHORAWAL using IFSC UCBA0000652
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 UCBA0000652, and confirm that the system picks up UCO Bank – GHORAWAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0000652
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 – GHORAWAL, ensure your bank's portal accepts IFSC UCBA0000652 while registering the beneficiary. RTGS is also available 24x7.
IMPS to UCO Bank GHORAWAL (IFSC UCBA0000652)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0000652 in your mobile or internet banking app, and the money is credited to the GHORAWAL branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Ghorawal
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 UCBA0000652:
- 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 GHORAWAL is still linked to IFSC UCBA0000652.
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 UCBA0000652
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 – GHORAWAL is still mapped to IFSC UCBA0000652. 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 UCBA0000652 and the beneficiary's account number to complete the transfer.
Account types you can open at the Ghorawal branch
Once you have an account at UCO Bank – GHORAWAL, the IFSC UCBA0000652 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Products and services
Customers walking into the Ghorawal 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 UCBA0000652
MICR & cheque-truncation details
Cheques drawn on the Ghorawal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0000652 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC UCBA0000652
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the GHORAWAL 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 UCBA0000652 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.
Common mistakes to avoid when using IFSC UCBA0000652
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 – GHORAWAL, 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:
UCBA0000652. - 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.
Reaching the branch
The Ghorawal branch sits at UCO BANK GHORAWAL DIST SONEBHADRA UP TOWN AREA GHORAWAL DIST.SONBHADRA S TATE. ,SONBHADRA ,UTTAR PRADESH PIN 231210. If you are travelling from outside Gharawal, search for the branch on a maps application using the bank name and locality, or call 5444-285224 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 UCBA0000652 and your account number.
Verifying IFSC UCBA0000652 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 UCBA0000652 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 5444-285224.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Ghorawal 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 UCBA0000652 continue to work without interruption.
Branch address & contact
UCO BankGhorawal Branch
UCO BANK GHORAWAL DIST SONEBHADRA UP TOWN AREA GHORAWAL DIST.SONBHADRA S TATE. ,SONBHADRA ,UTTAR PRADESH PIN 231210
Gharawal, Uttar Pradesh
Phone: 5444-285224
IFSC: UCBA0000652
Frequently asked questions
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 Ghorawal branch but serve different purposes.
Does UCO Bank Ghorawal branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 5444-285224 to confirm.
Is IFSC UCBA0000652 the same for all accounts at Ghorawal branch?
Yes. The IFSC UCBA0000652 is shared by every account held at UCO Bank's Ghorawal branch. Only the account number changes from customer to customer.
Can I use IFSC UCBA0000652 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0000652 to send funds instantly.
Is IFSC UCBA0000652 valid for NEFT and RTGS?
Yes. IFSC UCBA0000652 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of UCO Bank Ghorawal branch?
The IFSC code of UCO Bank, Ghorawal branch is UCBA0000652. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using UCBA0000652 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Ghorawal reflect within 30 minutes.
How do I add UCO Bank Ghorawal as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0000652, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code UCBA0000652 belongs to UCO Bank's GHORAWAL branch, located at UCO BANK GHORAWAL DIST SONEBHADRA UP TOWN AREA GHORAWAL DIST.SONBHADRA S … in GHARAWAL, 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.
