Below are the complete branch details for UCO Bank, BAGNAN branch, located in HOWRAH, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is UCBA0002221. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UCBA0002221 for UCO Bank – BAGNAN — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 BAGNAN branch, the IFSC UCBA0002221 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 002221 identifies this particular branch.
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Bagnan branch in Howrah. 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, UCBA0002221.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Bagnan |
| IFSC Code | UCBA0002221 |
| MICR Code | Refer to cheque leaf |
| Branch Address | O.T. ROAD, NEAR B.D.O.BAGNAN 1 VILL. P.O. P.S. BAGNAN NORTH HOWRAH ,HAORA ,WEST BENGAL PIN 711303 |
| City | Howrah |
| District | Haora |
| State | West Bengal |
| STD Code | 33 |
| Phone | 4266110 |
About the Bagnan branch
The Bagnan branch of UCO Bank is situated at O.T. ROAD, NEAR B.D.O.BAGNAN 1 VILL. P.O. P.S. BAGNAN NORTH HOWRAH ,HAORA ,WEST BENGAL PIN 711303. 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 UCBA0002221 is used.
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 BAGNAN branch came to be assigned the code UCBA0002221.
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 UCBA0002221, money simply cannot be routed to the BAGNAN branch electronically.
Products and account variants supported
Every account opened at the Bagnan branch is mapped to IFSC UCBA0002221 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 UCBA0002221.
Products and services
Customers walking into the Bagnan 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 UCBA0002221
How to transfer money using IFSC UCBA0002221
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 UCBA0002221 across all three.
NEFT to UCO Bank, BAGNAN using IFSC UCBA0002221
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 UCBA0002221, and confirm that the system picks up UCO Bank – BAGNAN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0002221
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 – BAGNAN, ensure your bank's portal accepts IFSC UCBA0002221 while registering the beneficiary. RTGS is also available 24x7.
IMPS to UCO Bank BAGNAN (IFSC UCBA0002221)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0002221 in your mobile or internet banking app, and the money is credited to the BAGNAN branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0002221 for UCO Bank – BAGNAN, 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 – UCBA0002221 | Yes – UCBA0002221 | Yes – UCBA0002221 |
For most retail customers crediting the Bagnan 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 UCBA0002221
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 – BAGNAN is still mapped to IFSC UCBA0002221. 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 UCBA0002221 and the beneficiary's account number to complete the transfer.
Online banking and IFSC UCBA0002221
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the BAGNAN 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 UCBA0002221 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.
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 UCBA0002221 and the account number together uniquely identify the Bagnan 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 UCBA0002221
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 – BAGNAN, 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:
UCBA0002221. - 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 Bagnan branch
The branch is located at O.T. ROAD, NEAR B.D.O.BAGNAN 1 VILL. P.O. P.S. BAGNAN NORTH HOWRAH ,HAORA ,WEST BENGAL PIN 711303, which puts it inside Howrah, the broader Haora district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Bagnan branch” — the verified location pin for IFSC UCBA0002221 should appear at the top of the results.
- Confirm the branch is open by calling 33-4266110 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 UCBA0002221 and your account number.
Verifying IFSC UCBA0002221 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 UCBA0002221 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 33-4266110.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Bagnan 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 UCBA0002221 continue to work without interruption.
Branch address & contact
UCO BankBagnan Branch
O.T. ROAD, NEAR B.D.O.BAGNAN 1 VILL. P.O. P.S. BAGNAN NORTH HOWRAH ,HAORA ,WEST BENGAL PIN 711303
Howrah, West Bengal
Phone: 33-4266110
IFSC: UCBA0002221
Frequently asked questions
What is the phone number of UCO Bank Bagnan branch?
You can reach the branch at 33-4266110 during regular banking hours.
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 Bagnan branch but serve different purposes.
How do I add UCO Bank Bagnan as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0002221, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UCBA0002221 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Bagnan reflect within 30 minutes.
What is the IFSC code of UCO Bank Bagnan branch?
The IFSC code of UCO Bank, Bagnan branch is UCBA0002221. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC UCBA0002221 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0002221 to send funds instantly.
Is IFSC UCBA0002221 valid for NEFT and RTGS?
Yes. IFSC UCBA0002221 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is UCO Bank Bagnan branch located?
UCO Bank's Bagnan branch is located at O.T. ROAD, NEAR B.D.O.BAGNAN 1 VILL. P.O. P.S. BAGNAN NORTH HOWRAH ,HAORA ,WEST BENGAL PIN 711303, Howrah, West Bengal.
Summary
The IFSC code UCBA0002221 belongs to UCO Bank's BAGNAN branch, located at O.T. ROAD, NEAR B.D.O.BAGNAN 1 VILL. P.O. P.S. BAGNAN NORTH HOWRAH ,HAORA… in HOWRAH, WEST BENGAL. 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.
