Use this page as a one-stop reference for everything related to UCO Bank's DAKSHIN JOYPUR branch in KOLKATA, WEST BENGAL. The branch's IFSC code UCBA0002774 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.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for UCO Bank – DAKSHIN JOYPUR is UCBA0002774. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002774 map to this branch in KOLKATA, WEST BENGAL.
Bank profile
UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Dakshin Joypur branch — IFSC UCBA0002774 — extends the bank's services to customers in and around Kolkata, West Bengal.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Dakshin Joypur |
| IFSC Code | UCBA0002774 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL DAKSHIN JOYPUR P.O. ANANDANAGAR P.S. LILUAH DT HOWRAH ,HAORA ,WEST BENGAL PIN 711227 |
| City | Kolkata |
| District | Kolkata |
| State | West Bengal |
| STD Code | 33 |
| Phone | 9747163 |
About this branch
The branch is located at VILL DAKSHIN JOYPUR P.O. ANANDANAGAR P.S. LILUAH DT HOWRAH ,HAORA ,WEST BENGAL PIN 711227. 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 UCBA0002774 is used to identify this branch on the RBI payments network.
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 DAKSHIN JOYPUR branch came to be assigned the code UCBA0002774.
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 UCBA0002774, money simply cannot be routed to the DAKSHIN JOYPUR branch electronically.
Products and account variants supported
Every account opened at the Dakshin Joypur branch is mapped to IFSC UCBA0002774 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 UCBA0002774.
Products and services
Customers walking into the Dakshin Joypur 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 UCBA0002774
How to transfer money using IFSC UCBA0002774
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 UCBA0002774 across all three.
NEFT to UCO Bank, DAKSHIN JOYPUR using IFSC UCBA0002774
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 UCBA0002774, and confirm that the system picks up UCO Bank – DAKSHIN JOYPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to DAKSHIN JOYPUR
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's DAKSHIN JOYPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0002774 while initiating the transfer and the credit will appear within minutes.
IMPS to UCO Bank DAKSHIN JOYPUR (IFSC UCBA0002774)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0002774 in your mobile or internet banking app, and the money is credited to the DAKSHIN JOYPUR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0002774 for UCO Bank – DAKSHIN JOYPUR, 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 – UCBA0002774 | Yes – UCBA0002774 | Yes – UCBA0002774 |
For most retail customers crediting the Dakshin Joypur 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 UCBA0002774
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 – DAKSHIN JOYPUR is still mapped to IFSC UCBA0002774. 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 UCBA0002774 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Dakshin Joypur 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 UCBA0002774 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.
MICR & cheque-truncation details
Cheques drawn on the Dakshin Joypur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0002774 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 UCBA0002774
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 – DAKSHIN JOYPUR, 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:
UCBA0002774. - 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 Dakshin Joypur branch
The branch is located at VILL DAKSHIN JOYPUR P.O. ANANDANAGAR P.S. LILUAH DT HOWRAH ,HAORA ,WEST BENGAL PIN 711227, which puts it inside Kolkata, the broader Kolkata district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Dakshin Joypur branch” — the verified location pin for IFSC UCBA0002774 should appear at the top of the results.
- Confirm the branch is open by calling 33-9747163 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 UCBA0002774 and your account number.
Verifying IFSC UCBA0002774 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 UCBA0002774 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 33-9747163.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Dakshin Joypur 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 UCBA0002774 continue to work without interruption.
Branch address & contact
UCO BankDakshin Joypur Branch
VILL DAKSHIN JOYPUR P.O. ANANDANAGAR P.S. LILUAH DT HOWRAH ,HAORA ,WEST BENGAL PIN 711227
Kolkata, West Bengal
Phone: 33-9747163
IFSC: UCBA0002774
Frequently asked questions
How do I add UCO Bank Dakshin Joypur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0002774, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC UCBA0002774 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0002774 to send funds instantly.
Is IFSC UCBA0002774 the same for all accounts at Dakshin Joypur branch?
Yes. The IFSC UCBA0002774 is shared by every account held at UCO Bank's Dakshin Joypur branch. Only the account number changes from customer to customer.
Is IFSC UCBA0002774 valid for NEFT and RTGS?
Yes. IFSC UCBA0002774 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of UCO Bank Dakshin Joypur branch?
The IFSC code of UCO Bank, Dakshin Joypur branch is UCBA0002774. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Dakshin Joypur branch but serve different purposes.
What is the phone number of UCO Bank Dakshin Joypur branch?
You can reach the branch at 33-9747163 during regular banking hours.
Final notes
To recap: UCBA0002774 is the IFSC code of UCO Bank, DAKSHIN JOYPUR branch, in KOLKATA, WEST BENGAL. 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.
