This page lists the IFSC code, branch address, contact number and fund-transfer information for UCO Bank, GHURWARA branch in GURWARA. The 11-digit IFSC UCBA0002875 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 GHURWARA 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.
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 – GHURWARA is UCBA0002875. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002875 map to this branch in GURWARA, UTTAR PRADESH.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Ghurwara |
| IFSC Code | UCBA0002875 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NEAR PRIMARY SCHOOL RAEBARELI DALMAU ROAD GHURWARA DISTT RAEBARELI ,RAI BARELI ,UTTAR PRADESH PIN 229125 |
| City | Gurwara |
| District | Rai Bareli |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 9450007354 |
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Ghurwara branch in Gurwara. 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, UCBA0002875.
About this branch
The branch is located at NEAR PRIMARY SCHOOL RAEBARELI DALMAU ROAD GHURWARA DISTT RAEBARELI ,RAI BARELI ,UTTAR PRADESH PIN 229125. It serves the Gurwara 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 UCBA0002875 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 GHURWARA of UCO Bank — its own 11-character IFSC. The code UCBA0002875 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 UCBA0002875 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 UCBA0002875
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 UCBA0002875 across all three.
How to use IFSC UCBA0002875 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's GHURWARA branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC UCBA0002875.
- Confirm the bank name auto-populates as UCO Bank and the branch as GHURWARA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to GHURWARA
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's GHURWARA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0002875 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – GHURWARA, use IMPS. With IFSC UCBA0002875 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 UCBA0002875 for UCO Bank – GHURWARA, 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 – UCBA0002875 | Yes – UCBA0002875 | Yes – UCBA0002875 |
For most retail customers crediting the Ghurwara 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 GHURWARA branch, the IFSC UCBA0002875 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.
Account types you can open at the Ghurwara branch
Once you have an account at UCO Bank – GHURWARA, the IFSC UCBA0002875 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 Ghurwara 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 UCBA0002875
MICR & cheque-truncation details
Cheques drawn on the Ghurwara branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0002875 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC UCBA0002875
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the GHURWARA 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 UCBA0002875 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 UCBA0002875
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 – GHURWARA, 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:
UCBA0002875. - 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 Ghurwara branch sits at NEAR PRIMARY SCHOOL RAEBARELI DALMAU ROAD GHURWARA DISTT RAEBARELI ,RAI BARELI ,UTTAR PRADESH PIN 229125. If you are travelling from outside Gurwara, search for the branch on a maps application using the bank name and locality, or call 91-9450007354 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 UCBA0002875 and your account number.
Verifying IFSC UCBA0002875 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 UCBA0002875 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9450007354.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Ghurwara 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 UCBA0002875 continue to work without interruption.
Branch address & contact
UCO BankGhurwara Branch
NEAR PRIMARY SCHOOL RAEBARELI DALMAU ROAD GHURWARA DISTT RAEBARELI ,RAI BARELI ,UTTAR PRADESH PIN 229125
Gurwara, Uttar Pradesh
Phone: 91-9450007354
IFSC: UCBA0002875
Frequently asked questions
Is IFSC UCBA0002875 valid for NEFT and RTGS?
Yes. IFSC UCBA0002875 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC UCBA0002875 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0002875 to send funds instantly.
Is IFSC UCBA0002875 the same for all accounts at Ghurwara branch?
Yes. The IFSC UCBA0002875 is shared by every account held at UCO Bank's Ghurwara branch. Only the account number changes from customer to customer.
What is the IFSC code of UCO Bank Ghurwara branch?
The IFSC code of UCO Bank, Ghurwara branch is UCBA0002875. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Ghurwara branch but serve different purposes.
How quickly will an NEFT transfer using UCBA0002875 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Ghurwara reflect within 30 minutes.
How do I add UCO Bank Ghurwara as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0002875, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code UCBA0002875 belongs to UCO Bank's GHURWARA branch, located at NEAR PRIMARY SCHOOL RAEBARELI DALMAU ROAD GHURWARA DISTT RAEBARELI ,RAI BARELI… in GURWARA, 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.
