This page lists the IFSC code, branch address, contact number and fund-transfer information for UCO Bank, RAJ NAGAR EXTENSTION branch in GHAZIABAD. The 11-digit IFSC UCBA0002903 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with UCO Bank at the RAJ NAGAR EXTENSTION location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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, UCBA0002903 is the IFSC of UCO Bank's RAJ NAGAR EXTENSTION branch. The format is fixed: UCBA = bank code, 0 = reserved, 002903 = branch identifier.
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Raj Nagar Extenstion branch in Ghaziabad. 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, UCBA0002903.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Raj Nagar Extenstion |
| IFSC Code | UCBA0002903 |
| MICR Code | Refer to cheque leaf |
| Branch Address | OPS HOUSE JAIN TUBE CROSSING RAJNAGAR EXTENSION N H 58 DISTT GHAZIABAD ,GHAZIABAD ,UTTAR PRADESH PIN 201017 |
| City | Ghaziabad |
| District | Ghaziabad |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 1202341627 |
About this branch
The branch is located at OPS HOUSE JAIN TUBE CROSSING RAJNAGAR EXTENSION N H 58 DISTT GHAZIABAD ,GHAZIABAD ,UTTAR PRADESH PIN 201017. It serves the Ghaziabad 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 UCBA0002903 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 RAJ NAGAR EXTENSTION of UCO Bank — its own 11-character IFSC. The code UCBA0002903 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 UCBA0002903 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 Raj Nagar Extenstion branch is mapped to IFSC UCBA0002903 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 UCBA0002903.
Products and services
Customers walking into the Raj Nagar Extenstion 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 UCBA0002903
How to transfer money using IFSC UCBA0002903
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 UCBA0002903 across all three.
NEFT to UCO Bank, RAJ NAGAR EXTENSTION using IFSC UCBA0002903
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 UCBA0002903, and confirm that the system picks up UCO Bank – RAJ NAGAR EXTENSTION. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0002903
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 – RAJ NAGAR EXTENSTION, ensure your bank's portal accepts IFSC UCBA0002903 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – RAJ NAGAR EXTENSTION, use IMPS. With IFSC UCBA0002903 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0002903 for UCO Bank – RAJ NAGAR EXTENSTION, 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 – UCBA0002903 | Yes – UCBA0002903 | Yes – UCBA0002903 |
For most retail customers crediting the Raj Nagar Extenstion 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 UCBA0002903
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 – RAJ NAGAR EXTENSTION is still mapped to IFSC UCBA0002903. 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 UCBA0002903 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Raj Nagar Extenstion branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC UCBA0002903 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
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 UCBA0002903 and the account number together uniquely identify the Raj Nagar Extenstion 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 UCBA0002903
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 – RAJ NAGAR EXTENSTION, 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:
UCBA0002903. - 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 Raj Nagar Extenstion branch
The branch is located at OPS HOUSE JAIN TUBE CROSSING RAJNAGAR EXTENSION N H 58 DISTT GHAZIABAD ,GHAZIABAD ,UTTAR PRADESH PIN 201017, which puts it inside Ghaziabad, the broader Ghaziabad district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Raj Nagar Extenstion branch” — the verified location pin for IFSC UCBA0002903 should appear at the top of the results.
- Confirm the branch is open by calling 91-1202341627 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 UCBA0002903 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0002903 for UCO Bank – RAJ NAGAR EXTENSTION, 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 Raj Nagar Extenstion 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 UCBA0002903 continue to work without interruption.
Branch address & contact
UCO BankRaj Nagar Extenstion Branch
OPS HOUSE JAIN TUBE CROSSING RAJNAGAR EXTENSION N H 58 DISTT GHAZIABAD ,GHAZIABAD ,UTTAR PRADESH PIN 201017
Ghaziabad, Uttar Pradesh
Phone: 91-1202341627
IFSC: UCBA0002903
Frequently asked questions
What is the IFSC code of UCO Bank Raj Nagar Extenstion branch?
The IFSC code of UCO Bank, Raj Nagar Extenstion branch is UCBA0002903. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add UCO Bank Raj Nagar Extenstion as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0002903, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UCBA0002903 valid for NEFT and RTGS?
Yes. IFSC UCBA0002903 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of UCO Bank Raj Nagar Extenstion branch?
You can reach the branch at 91-1202341627 during regular banking hours.
How quickly will an NEFT transfer using UCBA0002903 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Raj Nagar Extenstion reflect within 30 minutes.
Can I use IFSC UCBA0002903 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0002903 to send funds instantly.
Final notes
To recap: UCBA0002903 is the IFSC code of UCO Bank, RAJ NAGAR EXTENSTION branch, in GHAZIABAD, UTTAR 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.
