IFSC Code of UCO Bank, Nangal Shama Branch, Punjab

Use this page as a one-stop reference for everything related to UCO Bank's NANGAL SHAMA branch in JALANDHAR, PUNJAB. The branch's IFSC code UCBA0003264 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.

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 – NANGAL SHAMA is UCBA0003264. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003264 map to this branch in JALANDHAR, PUNJAB.

About the bank

UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Nangal Shama branch in Jalandhar, Punjab is part of this network and uses the IFSC code UCBA0003264 for all electronic settlement.

Branch details at a glance

Nangal Shama branch overview

Located at VILL. NANGAL SHAMA PO. LADHEWALI HOSHIARPUR ROAD JALANDHAR ,JALANDHAR ,PUNJAB PIN 144007, the Nangal Shama branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0003264 is required for all interbank electronic transfers routed through this branch.

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 NANGAL SHAMA of UCO Bank — its own 11-character IFSC. The code UCBA0003264 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 UCBA0003264 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Nangal Shama branch is mapped to IFSC UCBA0003264 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 UCBA0003264.

Banking services available

The Nangal Shama branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9888121578.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC UCBA0003264

How to transfer money using IFSC UCBA0003264

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 UCBA0003264 across all three.

How to use IFSC UCBA0003264 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's NANGAL SHAMA 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 UCBA0003264.
4. Confirm the bank name auto-populates as UCO Bank and the branch as NANGAL SHAMA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UCBA0003264

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 – NANGAL SHAMA, ensure your bank's portal accepts IFSC UCBA0003264 while registering the beneficiary. RTGS is also available 24x7.

IMPS to UCO Bank NANGAL SHAMA (IFSC UCBA0003264)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0003264 in your mobile or internet banking app, and the money is credited to the NANGAL SHAMA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UCBA0003264 for UCO Bank – NANGAL SHAMA, 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.

For most retail customers crediting the Nangal Shama 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 UCBA0003264

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 – NANGAL SHAMA is still mapped to IFSC UCBA0003264. 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 UCBA0003264 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UCBA0003264

UCO Bank customers can register for net banking and the bank's official mobile app once their account at the NANGAL SHAMA 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 UCBA0003264 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 & cheque-truncation details

Cheques drawn on the Nangal Shama branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0003264 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – NANGAL SHAMA:

• The IFSC is exactly UCBA0003264 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 NANGAL SHAMA 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.

Reaching the branch

The Nangal Shama branch sits at VILL. NANGAL SHAMA PO. LADHEWALI HOSHIARPUR ROAD JALANDHAR ,JALANDHAR ,PUNJAB PIN 144007. If you are travelling from outside Jalandhar, search for the branch on a maps application using the bank name and locality, or call 91-9888121578 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 UCBA0003264 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UCBA0003264 for UCO Bank – NANGAL SHAMA, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Working hours

Branch counters at Nangal Shama 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 UCBA0003264 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UCBA0003264 belongs to UCO Bank's NANGAL SHAMA branch, located at VILL. NANGAL SHAMA PO. LADHEWALI HOSHIARPUR ROAD JALANDHAR ,JALANDHAR ,PUNJAB… in JALANDHAR, 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.