Use this page as a one-stop reference for everything related to UCO Bank's NILOKHERI branch in KARNAL, HARYANA. The branch's IFSC code UCBA0003010 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, UCBA0003010 is the IFSC of UCO Bank's NILOKHERI branch. The format is fixed: UCBA = bank code, 0 = reserved, 003010 = branch identifier.
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Nilokheri branch in Karnal, Haryana is part of this network and uses the IFSC code UCBA0003010 for all electronic settlement.
Nilokheri branch overview
Located at B 39, GOL MARKET ,KARNAL ,HARYANA PIN 132117, the Nilokheri branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0003010 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Nilokheri |
| IFSC Code | UCBA0003010 |
| MICR Code | Refer to cheque leaf |
| Branch Address | B 39, GOL MARKET ,KARNAL ,HARYANA PIN 132117 |
| City | Karnal |
| District | Karnal |
| State | Haryana |
| STD Code | 91 |
| Phone | 8607063180 |
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 NILOKHERI of UCO Bank — its own 11-character IFSC. The code UCBA0003010 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 UCBA0003010 the same way you would treat your account number — verify it once and save it carefully for future use.
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 UCBA0003010 and the account number together uniquely identify the Nilokheri branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UCBA0003010
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 UCBA0003010 across all three.
How to use IFSC UCBA0003010 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's NILOKHERI 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC UCBA0003010.
- Confirm the bank name auto-populates as UCO Bank and the branch as NILOKHERI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to NILOKHERI
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's NILOKHERI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0003010 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 – NILOKHERI, use IMPS. With IFSC UCBA0003010 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 UCBA0003010 for UCO Bank – NILOKHERI, 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 – UCBA0003010 | Yes – UCBA0003010 | Yes – UCBA0003010 |
For most retail customers crediting the Nilokheri 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 UCBA0003010
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 – NILOKHERI is still mapped to IFSC UCBA0003010. 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 UCBA0003010 and the beneficiary's account number to complete the transfer.
Account types you can open at the Nilokheri branch
Once you have an account at UCO Bank – NILOKHERI, the IFSC UCBA0003010 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 Nilokheri branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8607063180.
- 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 UCBA0003010
Digital banking channels
Most day-to-day work that customers used to do at the Nilokheri 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 UCBA0003010 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.
Reaching the branch
The Nilokheri branch sits at B 39, GOL MARKET ,KARNAL ,HARYANA PIN 132117. If you are travelling from outside Karnal, search for the branch on a maps application using the bank name and locality, or call 91-8607063180 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 UCBA0003010 and your account number.
Common mistakes to avoid when using IFSC UCBA0003010
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 – NILOKHERI, 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:
UCBA0003010. - 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.
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 Nilokheri branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0003010, however, work 24x7.
Verifying IFSC UCBA0003010 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 UCBA0003010 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-8607063180.
- Visiting the bank's official branch locator page.
Branch address & contact
UCO BankNilokheri Branch
B 39, GOL MARKET ,KARNAL ,HARYANA PIN 132117
Karnal, Haryana
Phone: 91-8607063180
IFSC: UCBA0003010
Frequently asked questions
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 Nilokheri branch but serve different purposes.
How quickly will an NEFT transfer using UCBA0003010 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Nilokheri reflect within 30 minutes.
Where is UCO Bank Nilokheri branch located?
UCO Bank's Nilokheri branch is located at B 39, GOL MARKET ,KARNAL ,HARYANA PIN 132117, Karnal, Haryana.
Does UCO Bank Nilokheri branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-8607063180 to confirm.
Is IFSC UCBA0003010 the same for all accounts at Nilokheri branch?
Yes. The IFSC UCBA0003010 is shared by every account held at UCO Bank's Nilokheri branch. Only the account number changes from customer to customer.
Can I use IFSC UCBA0003010 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0003010 to send funds instantly.
How do I add UCO Bank Nilokheri as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0003010, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of UCO Bank Nilokheri branch?
The IFSC code of UCO Bank, Nilokheri branch is UCBA0003010. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Final notes
To recap: UCBA0003010 is the IFSC code of UCO Bank, NILOKHERI branch, in KARNAL, HARYANA. 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.
