This page lists the IFSC code, branch address, contact number and fund-transfer information for UCO Bank, KALOL branch in KALOL. The 11-digit IFSC UCBA0000907 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with UCO Bank at the KALOL location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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, UCBA0000907 is the IFSC of UCO Bank's KALOL branch. The format is fixed: UCBA = bank code, 0 = reserved, 000907 = branch identifier.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Kalol |
| IFSC Code | UCBA0000907 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DR. AMBEDKAR ROAD, OPP. ICE FACTORY CHAR RASTA, GANDHINAGAR ,GUJARAT PIN 382721 |
| City | Kalol |
| District | Kalol |
| State | Gujarat |
| STD Code | 79 |
| Phone | 223327 |
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Kalol branch in Kalol. 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, UCBA0000907.
About the Kalol branch
The Kalol branch of UCO Bank is situated at DR. AMBEDKAR ROAD, OPP. ICE FACTORY CHAR RASTA, GANDHINAGAR ,GUJARAT PIN 382721. 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 UCBA0000907 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 KALOL of UCO Bank — its own 11-character IFSC. The code UCBA0000907 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 UCBA0000907 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 UCBA0000907
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 UCBA0000907 across all three.
NEFT to UCO Bank, KALOL using IFSC UCBA0000907
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 UCBA0000907, and confirm that the system picks up UCO Bank – KALOL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0000907
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 – KALOL, ensure your bank's portal accepts IFSC UCBA0000907 while registering the beneficiary. RTGS is also available 24x7.
IMPS to UCO Bank KALOL (IFSC UCBA0000907)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0000907 in your mobile or internet banking app, and the money is credited to the KALOL branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0000907 for UCO Bank – KALOL, 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 – UCBA0000907 | Yes – UCBA0000907 | Yes – UCBA0000907 |
For most retail customers crediting the Kalol 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 UCBA0000907
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 – KALOL is still mapped to IFSC UCBA0000907. 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 UCBA0000907 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Kalol branch is mapped to IFSC UCBA0000907 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 UCBA0000907.
Products and services
Customers walking into the Kalol 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 UCBA0000907
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 UCBA0000907 and the account number together uniquely identify the Kalol branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC UCBA0000907
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the KALOL 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 UCBA0000907 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 UCBA0000907
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 – KALOL, 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:
UCBA0000907. - 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 Kalol branch
The branch is located at DR. AMBEDKAR ROAD, OPP. ICE FACTORY CHAR RASTA, GANDHINAGAR ,GUJARAT PIN 382721, which puts it inside Kalol, the broader Kalol district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Kalol branch” — the verified location pin for IFSC UCBA0000907 should appear at the top of the results.
- Confirm the branch is open by calling 79-223327 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 UCBA0000907 and your account number.
Verifying IFSC UCBA0000907 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 UCBA0000907 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 79-223327.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Kalol 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 UCBA0000907 continue to work without interruption.
Branch address & contact
UCO BankKalol Branch
DR. AMBEDKAR ROAD, OPP. ICE FACTORY CHAR RASTA, GANDHINAGAR ,GUJARAT PIN 382721
Kalol, Gujarat
Phone: 79-223327
IFSC: UCBA0000907
Frequently asked questions
Does UCO Bank Kalol branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 79-223327 to confirm.
Can I use IFSC UCBA0000907 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0000907 to send funds instantly.
What is the IFSC code of UCO Bank Kalol branch?
The IFSC code of UCO Bank, Kalol branch is UCBA0000907. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UCBA0000907 valid for NEFT and RTGS?
Yes. IFSC UCBA0000907 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is UCO Bank Kalol branch located?
UCO Bank's Kalol branch is located at DR. AMBEDKAR ROAD, OPP. ICE FACTORY CHAR RASTA, GANDHINAGAR ,GUJARAT PIN 382721, Kalol, Gujarat.
How do I add UCO Bank Kalol as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0000907, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UCBA0000907 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Kalol reflect within 30 minutes.
Is IFSC UCBA0000907 the same for all accounts at Kalol branch?
Yes. The IFSC UCBA0000907 is shared by every account held at UCO Bank's Kalol branch. Only the account number changes from customer to customer.
Final notes
To recap: UCBA0000907 is the IFSC code of UCO Bank, KALOL branch, in KALOL, GUJARAT. 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.
