Use this page as a one-stop reference for everything related to UCO Bank's KARUNAGAPALLY branch in KARUNAGAPALLY, KERALA. The branch's IFSC code UCBA0002560 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, UCBA0002560 is the IFSC of UCO Bank's KARUNAGAPALLY branch. The format is fixed: UCBA = bank code, 0 = reserved, 002560 = branch identifier.
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Karunagapally branch in Karunagapally. 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, UCBA0002560.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Karunagapally |
| IFSC Code | UCBA0002560 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MARS ARCADE OPPOSITE KSRTC BUS STATION KARUNAGAPALLY ,KOLLAM ,KERALA PIN 690518 |
| City | Karunagapally |
| District | Kollam |
| State | Kerala |
| STD Code | 91 |
| Phone | 9495218615 |
About the Karunagapally branch
The Karunagapally branch of UCO Bank is situated at MARS ARCADE OPPOSITE KSRTC BUS STATION KARUNAGAPALLY ,KOLLAM ,KERALA PIN 690518. 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 UCBA0002560 is used.
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 KARUNAGAPALLY branch came to be assigned the code UCBA0002560.
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 UCBA0002560, money simply cannot be routed to the KARUNAGAPALLY branch electronically.
Account types you can open at the Karunagapally branch
Once you have an account at UCO Bank – KARUNAGAPALLY, the IFSC UCBA0002560 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 Karunagapally branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9495218615.
- 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 UCBA0002560
How to transfer money using IFSC UCBA0002560
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 UCBA0002560 across all three.
NEFT to UCO Bank, KARUNAGAPALLY using IFSC UCBA0002560
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 UCBA0002560, and confirm that the system picks up UCO Bank – KARUNAGAPALLY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KARUNAGAPALLY
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's KARUNAGAPALLY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0002560 while initiating the transfer and the credit will appear within minutes.
IMPS to UCO Bank KARUNAGAPALLY (IFSC UCBA0002560)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0002560 in your mobile or internet banking app, and the money is credited to the KARUNAGAPALLY branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0002560 for UCO Bank – KARUNAGAPALLY, 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 – UCBA0002560 | Yes – UCBA0002560 | Yes – UCBA0002560 |
For most retail customers crediting the Karunagapally 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 KARUNAGAPALLY branch, the IFSC UCBA0002560 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.
Online banking and IFSC UCBA0002560
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the KARUNAGAPALLY 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 UCBA0002560 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 Karunagapally branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0002560 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC UCBA0002560
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 – KARUNAGAPALLY, 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:
UCBA0002560. - 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.
Reaching the branch
The Karunagapally branch sits at MARS ARCADE OPPOSITE KSRTC BUS STATION KARUNAGAPALLY ,KOLLAM ,KERALA PIN 690518. If you are travelling from outside Karunagapally, search for the branch on a maps application using the bank name and locality, or call 91-9495218615 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 UCBA0002560 and your account number.
Verifying IFSC UCBA0002560 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 UCBA0002560 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9495218615.
- Visiting the bank's official branch locator page.
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 Karunagapally branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0002560, however, work 24x7.
Branch address & contact
UCO BankKarunagapally Branch
MARS ARCADE OPPOSITE KSRTC BUS STATION KARUNAGAPALLY ,KOLLAM ,KERALA PIN 690518
Karunagapally, Kerala
Phone: 91-9495218615
IFSC: UCBA0002560
Frequently asked questions
Is IFSC UCBA0002560 the same for all accounts at Karunagapally branch?
Yes. The IFSC UCBA0002560 is shared by every account held at UCO Bank's Karunagapally branch. Only the account number changes from customer to customer.
Can I use IFSC UCBA0002560 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0002560 to send funds instantly.
What is the phone number of UCO Bank Karunagapally branch?
You can reach the branch at 91-9495218615 during regular banking hours.
What is the IFSC code of UCO Bank Karunagapally branch?
The IFSC code of UCO Bank, Karunagapally branch is UCBA0002560. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does UCO Bank Karunagapally branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9495218615 to confirm.
Is IFSC UCBA0002560 valid for NEFT and RTGS?
Yes. IFSC UCBA0002560 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: UCBA0002560 is the IFSC code of UCO Bank, KARUNAGAPALLY branch, in KARUNAGAPALLY, KERALA. 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.
