IFSC Code of UCO Bank, Railway Road Hoshiarpur Branch, Punjab

If you are searching for the IFSC code of UCO Bank, RAILWAY ROAD HOSHIARPUR branch in HOSHIARPUR, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is UCBA0000846. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the RAILWAY ROAD HOSHIARPUR branch, and detailed step-by-step guides for using the IFSC UCBA0000846 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 – RAILWAY ROAD HOSHIARPUR is UCBA0000846. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000846 map to this branch in HOSHIARPUR, PUNJAB.

Branch details at a glance

About the bank

UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Railway Road Hoshiarpur branch in Hoshiarpur, Punjab is part of this network and uses the IFSC code UCBA0000846 for all electronic settlement.

About this branch

The branch is located at RAILWAY ROAD, HOSHIARPUR ,HOSHIARPUR ,PUNJAB PIN 146001. It serves the Hoshiarpur 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 UCBA0000846 is used to identify this branch on the RBI payments network.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how UCO Bank's RAILWAY ROAD HOSHIARPUR branch came to be assigned the code UCBA0000846.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC UCBA0000846, money simply cannot be routed to the RAILWAY ROAD HOSHIARPUR branch electronically.

How to transfer money using IFSC UCBA0000846

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 UCBA0000846 across all three.

How to use IFSC UCBA0000846 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's RAILWAY ROAD HOSHIARPUR 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UCBA0000846.
4. Confirm the bank name auto-populates as UCO Bank and the branch as RAILWAY ROAD HOSHIARPUR.
5. 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 RAILWAY ROAD HOSHIARPUR

If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's RAILWAY ROAD HOSHIARPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0000846 while initiating the transfer and the credit will appear within minutes.

IMPS to UCO Bank RAILWAY ROAD HOSHIARPUR (IFSC UCBA0000846)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0000846 in your mobile or internet banking app, and the money is credited to the RAILWAY ROAD HOSHIARPUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Railway Road Hoshiarpur

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 UCBA0000846:

• 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 RAILWAY ROAD HOSHIARPUR is still linked to IFSC UCBA0000846.

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.

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 RAILWAY ROAD HOSHIARPUR branch, the IFSC UCBA0000846 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.

Products and account variants supported

Every account opened at the Railway Road Hoshiarpur branch is mapped to IFSC UCBA0000846 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 UCBA0000846.

Products and services

Customers walking into the Railway Road Hoshiarpur 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 UCBA0000846

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 UCBA0000846 and the account number together uniquely identify the Railway Road Hoshiarpur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC UCBA0000846

UCO Bank customers can register for net banking and the bank's official mobile app once their account at the RAILWAY ROAD HOSHIARPUR 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 UCBA0000846 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 UCBA0000846

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 – RAILWAY ROAD HOSHIARPUR, 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: UCBA0000846.
• 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 Railway Road Hoshiarpur branch

The branch is located at RAILWAY ROAD, HOSHIARPUR ,HOSHIARPUR ,PUNJAB PIN 146001, which puts it inside Hoshiarpur, the broader Hoshiarpur district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “UCO Bank Railway Road Hoshiarpur branch” — the verified location pin for IFSC UCBA0000846 should appear at the top of the results.
2. Confirm the branch is open by calling 1882-222414 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 UCBA0000846 and your account number.

Verifying IFSC UCBA0000846 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 UCBA0000846 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1882-222414.
• 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 Railway Road Hoshiarpur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0000846, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UCBA0000846 belongs to UCO Bank's RAILWAY ROAD HOSHIARPUR branch, located at RAILWAY ROAD, HOSHIARPUR ,HOSHIARPUR ,PUNJAB PIN 146001 in HOSHIARPUR, PUNJAB. 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.