IFSC Code of UCO Bank, Gopeshwar Branch, Uttarakhand

Use this page as a one-stop reference for everything related to UCO Bank's GOPESHWAR branch in GOPESHWAR CHAMOLI, UTTARAKHAND. The branch's IFSC code UCBA0003194 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For UCO Bank's GOPESHWAR branch, the IFSC UCBA0003194 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 003194 identifies this particular branch.

About UCO Bank

UCO Bank operates a wide network of branches across India, including the Gopeshwar branch in Gopeshwar Chamoli. 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, UCBA0003194.

Branch details at a glance

About the Gopeshwar branch

The Gopeshwar branch of UCO Bank is situated at NAR NARAYAN COLONY, POST OFFICE ROAD, GOPESHWAR, CHAMOLI ,UTTARAKHAND PIN 246401. 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 UCBA0003194 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 GOPESHWAR of UCO Bank — its own 11-character IFSC. The code UCBA0003194 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 UCBA0003194 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 Gopeshwar branch is mapped to IFSC UCBA0003194 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 UCBA0003194.

Banking services available

The Gopeshwar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9720241744.

• 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 UCBA0003194

How to transfer money using IFSC UCBA0003194

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 UCBA0003194 across all three.

NEFT to UCO Bank, GOPESHWAR using IFSC UCBA0003194

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 UCBA0003194, and confirm that the system picks up UCO Bank – GOPESHWAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UCBA0003194

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 – GOPESHWAR, ensure your bank's portal accepts IFSC UCBA0003194 while registering the beneficiary. RTGS is also available 24x7.

IMPS to UCO Bank GOPESHWAR (IFSC UCBA0003194)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0003194 in your mobile or internet banking app, and the money is credited to the GOPESHWAR branch account within seconds.

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

All three modes accept the IFSC UCBA0003194 for UCO Bank – GOPESHWAR, 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 Gopeshwar 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 GOPESHWAR branch, the IFSC UCBA0003194 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.

Digital banking channels

Most day-to-day work that customers used to do at the Gopeshwar 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 UCBA0003194 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 UCBA0003194 and the account number together uniquely identify the Gopeshwar 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 UCBA0003194

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 – GOPESHWAR, 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: UCBA0003194.
• 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 Gopeshwar branch sits at NAR NARAYAN COLONY, POST OFFICE ROAD, GOPESHWAR, CHAMOLI ,UTTARAKHAND PIN 246401. If you are travelling from outside Gopeshwar Chamoli, search for the branch on a maps application using the bank name and locality, or call 91-9720241744 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 UCBA0003194 and your account number.

Verifying IFSC UCBA0003194 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 UCBA0003194 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9720241744.
• 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 Gopeshwar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0003194, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UCBA0003194 belongs to UCO Bank's GOPESHWAR branch, located at NAR NARAYAN COLONY, POST OFFICE ROAD, GOPESHWAR, CHAMOLI ,UTTARAKHAND PIN 246401 in GOPESHWAR CHAMOLI, UTTARAKHAND. 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.