Below are the complete branch details for UCO Bank, BHADRAKALI branch, located in KOLKATA, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is UCBA0000936. 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 UCBA0000936 for UCO Bank – BHADRAKALI — 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, UCBA0000936 is the IFSC of UCO Bank's BHADRAKALI branch. The format is fixed: UCBA = bank code, 0 = reserved, 000936 = branch identifier.
Bank profile
UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Bhadrakali branch — IFSC UCBA0000936 — extends the bank's services to customers in and around Kolkata, West Bengal.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Bhadrakali |
| IFSC Code | UCBA0000936 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 25.B.P.M.B. SARANI UTTARPARA BHADRAKALI ,HUGLI ,WEST BENGAL PIN 712232 |
| City | Kolkata |
| District | Kolkata |
| State | West Bengal |
| STD Code | 33 |
| Phone | 26631138 |
About this branch
The branch is located at 25.B.P.M.B. SARANI UTTARPARA BHADRAKALI ,HUGLI ,WEST BENGAL PIN 712232. It serves the Kolkata 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 UCBA0000936 is used to identify this branch on the RBI payments network.
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 BHADRAKALI of UCO Bank — its own 11-character IFSC. The code UCBA0000936 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 UCBA0000936 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Bhadrakali branch
Once you have an account at UCO Bank – BHADRAKALI, the IFSC UCBA0000936 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.
Products and services
Customers walking into the Bhadrakali 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 UCBA0000936
How to transfer money using IFSC UCBA0000936
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 UCBA0000936 across all three.
How to use IFSC UCBA0000936 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's BHADRAKALI 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 UCBA0000936.
- Confirm the bank name auto-populates as UCO Bank and the branch as BHADRAKALI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UCBA0000936
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 – BHADRAKALI, ensure your bank's portal accepts IFSC UCBA0000936 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – BHADRAKALI, use IMPS. With IFSC UCBA0000936 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 UCBA0000936 for UCO Bank – BHADRAKALI, 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 – UCBA0000936 | Yes – UCBA0000936 | Yes – UCBA0000936 |
For most retail customers crediting the Bhadrakali 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 UCBA0000936
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 – BHADRAKALI is still mapped to IFSC UCBA0000936. 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 UCBA0000936 and the beneficiary's account number to complete the transfer.
Online banking and IFSC UCBA0000936
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the BHADRAKALI 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 UCBA0000936 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 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 UCBA0000936 and the account number together uniquely identify the Bhadrakali branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – BHADRAKALI:
- The IFSC is exactly UCBA0000936 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 BHADRAKALI 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.
Reaching the branch
The Bhadrakali branch sits at 25.B.P.M.B. SARANI UTTARPARA BHADRAKALI ,HUGLI ,WEST BENGAL PIN 712232. If you are travelling from outside Kolkata, search for the branch on a maps application using the bank name and locality, or call 33-26631138 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 UCBA0000936 and your account number.
Verifying IFSC UCBA0000936 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 UCBA0000936 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 33-26631138.
- 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 Bhadrakali branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0000936, however, work 24x7.
Branch address & contact
UCO BankBhadrakali Branch
25.B.P.M.B. SARANI UTTARPARA BHADRAKALI ,HUGLI ,WEST BENGAL PIN 712232
Kolkata, West Bengal
Phone: 33-26631138
IFSC: UCBA0000936
Frequently asked questions
Is IFSC UCBA0000936 the same for all accounts at Bhadrakali branch?
Yes. The IFSC UCBA0000936 is shared by every account held at UCO Bank's Bhadrakali branch. Only the account number changes from customer to customer.
Can I use IFSC UCBA0000936 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0000936 to send funds instantly.
How do I add UCO Bank Bhadrakali as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0000936, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is UCO Bank Bhadrakali branch located?
UCO Bank's Bhadrakali branch is located at 25.B.P.M.B. SARANI UTTARPARA BHADRAKALI ,HUGLI ,WEST BENGAL PIN 712232, Kolkata, West Bengal.
What is the IFSC code of UCO Bank Bhadrakali branch?
The IFSC code of UCO Bank, Bhadrakali branch is UCBA0000936. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using UCBA0000936 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Bhadrakali reflect within 30 minutes.
What is the phone number of UCO Bank Bhadrakali branch?
You can reach the branch at 33-26631138 during regular banking hours.
Summary
The IFSC code UCBA0000936 belongs to UCO Bank's BHADRAKALI branch, located at 25.B.P.M.B. SARANI UTTARPARA BHADRAKALI ,HUGLI ,WEST BENGAL PIN 712232 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.
