Use this page as a one-stop reference for everything related to UCO Bank's BANITABLA branch in HOWRAH, WEST BENGAL. The branch's IFSC code UCBA0000416 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 BANITABLA branch, the IFSC UCBA0000416 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 000416 identifies this particular branch.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Banitabla |
| IFSC Code | UCBA0000416 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL. MAJHERHATI, P.O. JADURBERIA, P.S. ULUBERIA, DIST. HOWRAH. ,HAORA ,WEST BENGAL PIN 711315 |
| City | Howrah |
| District | Howrah |
| State | West Bengal |
| STD Code | 33 |
| Phone | 26610251 |
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Banitabla branch in Howrah, West Bengal is part of this network and uses the IFSC code UCBA0000416 for all electronic settlement.
About the Banitabla branch
The Banitabla branch of UCO Bank is situated at VILL. MAJHERHATI, P.O. JADURBERIA, P.S. ULUBERIA, DIST. HOWRAH. ,HAORA ,WEST BENGAL PIN 711315. 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 UCBA0000416 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 BANITABLA of UCO Bank — its own 11-character IFSC. The code UCBA0000416 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 UCBA0000416 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 UCBA0000416
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 UCBA0000416 across all three.
NEFT to UCO Bank, BANITABLA using IFSC UCBA0000416
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 UCBA0000416, and confirm that the system picks up UCO Bank – BANITABLA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0000416
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 – BANITABLA, ensure your bank's portal accepts IFSC UCBA0000416 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – BANITABLA, use IMPS. With IFSC UCBA0000416 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 UCBA0000416 for UCO Bank – BANITABLA, 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 – UCBA0000416 | Yes – UCBA0000416 | Yes – UCBA0000416 |
For most retail customers crediting the Banitabla 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 BANITABLA branch, the IFSC UCBA0000416 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 Banitabla branch
Once you have an account at UCO Bank – BANITABLA, the IFSC UCBA0000416 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 Banitabla 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 UCBA0000416
MICR & cheque-truncation details
Cheques drawn on the Banitabla branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0000416 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC UCBA0000416
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the BANITABLA 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 UCBA0000416 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 UCBA0000416
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 – BANITABLA, 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:
UCBA0000416. - 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 Banitabla branch sits at VILL. MAJHERHATI, P.O. JADURBERIA, P.S. ULUBERIA, DIST. HOWRAH. ,HAORA ,WEST BENGAL PIN 711315. If you are travelling from outside Howrah, search for the branch on a maps application using the bank name and locality, or call 33-26610251 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 UCBA0000416 and your account number.
Verifying IFSC UCBA0000416 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 UCBA0000416 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 33-26610251.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Banitabla 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 UCBA0000416 continue to work without interruption.
Branch address & contact
UCO BankBanitabla Branch
VILL. MAJHERHATI, P.O. JADURBERIA, P.S. ULUBERIA, DIST. HOWRAH. ,HAORA ,WEST BENGAL PIN 711315
Howrah, West Bengal
Phone: 33-26610251
IFSC: UCBA0000416
Frequently asked questions
What is the phone number of UCO Bank Banitabla branch?
You can reach the branch at 33-26610251 during regular banking hours.
What is the IFSC code of UCO Bank Banitabla branch?
The IFSC code of UCO Bank, Banitabla branch is UCBA0000416. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UCBA0000416 valid for NEFT and RTGS?
Yes. IFSC UCBA0000416 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using UCBA0000416 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Banitabla reflect within 30 minutes.
Is IFSC UCBA0000416 the same for all accounts at Banitabla branch?
Yes. The IFSC UCBA0000416 is shared by every account held at UCO Bank's Banitabla branch. Only the account number changes from customer to customer.
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 Banitabla branch but serve different purposes.
Can I use IFSC UCBA0000416 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0000416 to send funds instantly.
Summary
The IFSC code UCBA0000416 belongs to UCO Bank's BANITABLA branch, located at VILL. MAJHERHATI, P.O. JADURBERIA, P.S. ULUBERIA, DIST. HOWRAH. ,HAORA ,WEST… 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.
