IFSC Code of UCO Bank, Jullundur Industrial Area Branch, Punjab

Below are the complete branch details for UCO Bank, JULLUNDUR INDUSTRIAL AREA branch, located in JALANDHAR, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is UCBA0000825. 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 UCBA0000825 for UCO Bank – JULLUNDUR INDUSTRIAL AREA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – JULLUNDUR INDUSTRIAL AREA is UCBA0000825. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000825 map to this branch in JALANDHAR, PUNJAB.

Bank profile

UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Jullundur Industrial Area branch — IFSC UCBA0000825 — extends the bank's services to customers in and around Jalandhar, Punjab.

About the Jullundur Industrial Area branch

The Jullundur Industrial Area branch of UCO Bank is situated at S 102, INDUSTRIAL AREA JALANDHAR CITY ,JALANDHAR ,PUNJAB PIN 144004. 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 UCBA0000825 is used.

Branch details at a glance

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 JULLUNDUR INDUSTRIAL AREA branch came to be assigned the code UCBA0000825.

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 UCBA0000825, money simply cannot be routed to the JULLUNDUR INDUSTRIAL AREA branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Jullundur Industrial Area branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0000825 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC UCBA0000825

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 UCBA0000825 across all three.

NEFT to UCO Bank, JULLUNDUR INDUSTRIAL AREA using IFSC UCBA0000825

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 UCBA0000825, and confirm that the system picks up UCO Bank – JULLUNDUR INDUSTRIAL AREA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to JULLUNDUR INDUSTRIAL AREA

If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's JULLUNDUR INDUSTRIAL AREA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0000825 while initiating the transfer and the credit will appear within minutes.

IMPS to UCO Bank JULLUNDUR INDUSTRIAL AREA (IFSC UCBA0000825)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0000825 in your mobile or internet banking app, and the money is credited to the JULLUNDUR INDUSTRIAL AREA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Jullundur Industrial Area

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 UCBA0000825:

• 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 JULLUNDUR INDUSTRIAL AREA is still linked to IFSC UCBA0000825.

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.

UPI payments and IFSC UCBA0000825

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 – JULLUNDUR INDUSTRIAL AREA is still mapped to IFSC UCBA0000825. 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 UCBA0000825 and the beneficiary's account number to complete the transfer.

Account types you can open at the Jullundur Industrial Area branch

Once you have an account at UCO Bank – JULLUNDUR INDUSTRIAL AREA, the IFSC UCBA0000825 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 Jullundur Industrial Area 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 UCBA0000825

Online banking and IFSC UCBA0000825

UCO Bank customers can register for net banking and the bank's official mobile app once their account at the JULLUNDUR INDUSTRIAL AREA 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 UCBA0000825 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.

Reaching the branch

The Jullundur Industrial Area branch sits at S 102, INDUSTRIAL AREA JALANDHAR CITY ,JALANDHAR ,PUNJAB PIN 144004. If you are travelling from outside Jalandhar, search for the branch on a maps application using the bank name and locality, or call 181-2290253 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 UCBA0000825 and your account number.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to UCO Bank – JULLUNDUR INDUSTRIAL AREA:

• The IFSC is exactly UCBA0000825 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills UCO Bank as the bank name and JULLUNDUR INDUSTRIAL AREA as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

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 Jullundur Industrial Area branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0000825, however, work 24x7.

Verifying IFSC UCBA0000825 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 UCBA0000825 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 181-2290253.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: UCBA0000825 is the IFSC code of UCO Bank, JULLUNDUR INDUSTRIAL AREA branch, in JALANDHAR, PUNJAB. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.