Use this page as a one-stop reference for everything related to UCO Bank's JAROL branch in JAROL, HIMACHAL PRADESH. The branch's IFSC code UCBA0001240 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, UCBA0001240 is the IFSC of UCO Bank's JAROL branch. The format is fixed: UCBA = bank code, 0 = reserved, 001240 = branch identifier.
Bank profile
UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Jarol branch — IFSC UCBA0001240 — extends the bank's services to customers in and around Jarol, Himachal Pradesh.
About this branch
The branch is located at V.P.O. JAROL VIA KOTGARH TEHSIL KUMARSAIN DISTRICT SHIMLA ,SHIMLA ,HIMACHAL PRADESH PIN 172031. It serves the Jarol 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 UCBA0001240 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Jarol |
| IFSC Code | UCBA0001240 |
| MICR Code | Refer to cheque leaf |
| Branch Address | V.P.O. JAROL VIA KOTGARH TEHSIL KUMARSAIN DISTRICT SHIMLA ,SHIMLA ,HIMACHAL PRADESH PIN 172031 |
| City | Jarol |
| District | Jarol |
| State | Himachal Pradesh |
| STD Code | 1782 |
| Phone | 228236 |
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 JAROL of UCO Bank — its own 11-character IFSC. The code UCBA0001240 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 UCBA0001240 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Jarol branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0001240 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 UCBA0001240
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 UCBA0001240 across all three.
NEFT to UCO Bank, JAROL using IFSC UCBA0001240
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 UCBA0001240, and confirm that the system picks up UCO Bank – JAROL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to JAROL
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's JAROL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0001240 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – JAROL, use IMPS. With IFSC UCBA0001240 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 UCBA0001240 for UCO Bank – JAROL, 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 – UCBA0001240 | Yes – UCBA0001240 | Yes – UCBA0001240 |
For most retail customers crediting the Jarol 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 JAROL branch, the IFSC UCBA0001240 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 Jarol branch
Once you have an account at UCO Bank – JAROL, the IFSC UCBA0001240 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.
Banking services available
The Jarol branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1782-228236.
- 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 UCBA0001240
Digital banking channels
Most day-to-day work that customers used to do at the Jarol branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC UCBA0001240 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
How to reach the Jarol branch
The branch is located at V.P.O. JAROL VIA KOTGARH TEHSIL KUMARSAIN DISTRICT SHIMLA ,SHIMLA ,HIMACHAL PRADESH PIN 172031, which puts it inside Jarol, the broader Jarol district, and the state of Himachal Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Jarol branch” — the verified location pin for IFSC UCBA0001240 should appear at the top of the results.
- Confirm the branch is open by calling 1782-228236 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 UCBA0001240 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 – JAROL:
- The IFSC is exactly UCBA0001240 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 JAROL 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.
Working hours
Branch counters at Jarol 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 UCBA0001240 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0001240 for UCO Bank – JAROL, 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.
Branch address & contact
UCO BankJarol Branch
V.P.O. JAROL VIA KOTGARH TEHSIL KUMARSAIN DISTRICT SHIMLA ,SHIMLA ,HIMACHAL PRADESH PIN 172031
Jarol, Himachal Pradesh
Phone: 1782-228236
IFSC: UCBA0001240
Frequently asked questions
Where is UCO Bank Jarol branch located?
UCO Bank's Jarol branch is located at V.P.O. JAROL VIA KOTGARH TEHSIL KUMARSAIN DISTRICT SHIMLA ,SHIMLA ,HIMACHAL PRADESH PIN 172031, Jarol, Himachal Pradesh.
Can I use IFSC UCBA0001240 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0001240 to send funds instantly.
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 Jarol branch but serve different purposes.
How quickly will an NEFT transfer using UCBA0001240 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Jarol reflect within 30 minutes.
What is the phone number of UCO Bank Jarol branch?
You can reach the branch at 1782-228236 during regular banking hours.
How do I add UCO Bank Jarol as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0001240, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UCBA0001240 valid for NEFT and RTGS?
Yes. IFSC UCBA0001240 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC UCBA0001240 the same for all accounts at Jarol branch?
Yes. The IFSC UCBA0001240 is shared by every account held at UCO Bank's Jarol branch. Only the account number changes from customer to customer.
Final notes
To recap: UCBA0001240 is the IFSC code of UCO Bank, JAROL branch, in JAROL, HIMACHAL PRADESH. 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.
