Below are the complete branch details for UCO Bank, BAGHBAZAR branch, located in KOLKATA, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is UCBA0000256. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UCBA0000256 for UCO Bank – BAGHBAZAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, UCBA0000256 is the IFSC of UCO Bank's BAGHBAZAR branch. The format is fixed: UCBA = bank code, 0 = reserved, 000256 = 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 Baghbazar branch in Kolkata, West Bengal is part of this network and uses the IFSC code UCBA0000256 for all electronic settlement.
Baghbazar branch overview
Located at 532, RABINDRA SARANI ,KOLKATA ,WEST BENGAL PIN 700003, the Baghbazar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0000256 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Baghbazar |
| IFSC Code | UCBA0000256 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 532, RABINDRA SARANI ,KOLKATA ,WEST BENGAL PIN 700003 |
| City | Kolkata |
| District | Kolkata |
| State | West Bengal |
| STD Code | 33 |
| Phone | 25540237 |
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 BAGHBAZAR branch came to be assigned the code UCBA0000256.
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 UCBA0000256, money simply cannot be routed to the BAGHBAZAR branch electronically.
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 UCBA0000256 and the account number together uniquely identify the Baghbazar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UCBA0000256
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 UCBA0000256 across all three.
NEFT to UCO Bank, BAGHBAZAR using IFSC UCBA0000256
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 UCBA0000256, and confirm that the system picks up UCO Bank – BAGHBAZAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BAGHBAZAR
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's BAGHBAZAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0000256 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 – BAGHBAZAR, use IMPS. With IFSC UCBA0000256 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 UCBA0000256 for UCO Bank – BAGHBAZAR, 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 – UCBA0000256 | Yes – UCBA0000256 | Yes – UCBA0000256 |
For most retail customers crediting the Baghbazar 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 BAGHBAZAR branch, the IFSC UCBA0000256 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.
Products and account variants supported
Every account opened at the Baghbazar branch is mapped to IFSC UCBA0000256 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 UCBA0000256.
Banking services available
The Baghbazar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-25540237.
- 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 UCBA0000256
Online banking and IFSC UCBA0000256
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the BAGHBAZAR 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 UCBA0000256 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.
Reaching the branch
The Baghbazar branch sits at 532, RABINDRA SARANI ,KOLKATA ,WEST BENGAL PIN 700003. If you are travelling from outside Kolkata, search for the branch on a maps application using the bank name and locality, or call 33-25540237 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 UCBA0000256 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 – BAGHBAZAR:
- The IFSC is exactly UCBA0000256 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 BAGHBAZAR 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 Baghbazar 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 UCBA0000256 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0000256 for UCO Bank – BAGHBAZAR, 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 BankBaghbazar Branch
532, RABINDRA SARANI ,KOLKATA ,WEST BENGAL PIN 700003
Kolkata, West Bengal
Phone: 33-25540237
IFSC: UCBA0000256
Frequently asked questions
Does UCO Bank Baghbazar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 33-25540237 to confirm.
How do I add UCO Bank Baghbazar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0000256, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UCBA0000256 valid for NEFT and RTGS?
Yes. IFSC UCBA0000256 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is UCO Bank Baghbazar branch located?
UCO Bank's Baghbazar branch is located at 532, RABINDRA SARANI ,KOLKATA ,WEST BENGAL PIN 700003, Kolkata, West Bengal.
Is IFSC UCBA0000256 the same for all accounts at Baghbazar branch?
Yes. The IFSC UCBA0000256 is shared by every account held at UCO Bank's Baghbazar branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using UCBA0000256 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Baghbazar reflect within 30 minutes.
Can I use IFSC UCBA0000256 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0000256 to send funds instantly.
What is the phone number of UCO Bank Baghbazar branch?
You can reach the branch at 33-25540237 during regular banking hours.
Summary
The IFSC code UCBA0000256 belongs to UCO Bank's BAGHBAZAR branch, located at 532, RABINDRA SARANI ,KOLKATA ,WEST BENGAL PIN 700003 in KOLKATA, WEST BENGAL. 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.
