If you are searching for the IFSC code of UCO Bank, KOLKATA MAIN RT branch in KOLKATA, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is UCBA0000190. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the KOLKATA MAIN RT branch, and detailed step-by-step guides for using the IFSC UCBA0000190 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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, UCBA0000190 is the IFSC of UCO Bank's KOLKATA MAIN RT branch. The format is fixed: UCBA = bank code, 0 = reserved, 000190 = branch identifier.
Bank profile
UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kolkata Main Rt branch — IFSC UCBA0000190 — extends the bank's services to customers in and around Kolkata, West Bengal.
About this branch
The branch is located at 10, B. T. M. SARANI KOLKATA ,KOLKATA ,WEST BENGAL PIN 700001. 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 UCBA0000190 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Kolkata Main Rt |
| IFSC Code | UCBA0000190 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 10, B. T. M. SARANI KOLKATA ,KOLKATA ,WEST BENGAL PIN 700001 |
| City | Kolkata |
| District | Kolkata |
| State | West Bengal |
| STD Code | 33 |
| Phone | 22343176 |
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 KOLKATA MAIN RT branch came to be assigned the code UCBA0000190.
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 UCBA0000190, money simply cannot be routed to the KOLKATA MAIN RT branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Kolkata Main Rt branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0000190 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC UCBA0000190
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 UCBA0000190 across all three.
NEFT to UCO Bank, KOLKATA MAIN RT using IFSC UCBA0000190
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 UCBA0000190, and confirm that the system picks up UCO Bank – KOLKATA MAIN RT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KOLKATA MAIN RT
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's KOLKATA MAIN RT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0000190 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 – KOLKATA MAIN RT, use IMPS. With IFSC UCBA0000190 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 UCBA0000190 for UCO Bank – KOLKATA MAIN RT, 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 – UCBA0000190 | Yes – UCBA0000190 | Yes – UCBA0000190 |
For most retail customers crediting the Kolkata Main Rt 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 UCBA0000190
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 – KOLKATA MAIN RT is still mapped to IFSC UCBA0000190. 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 UCBA0000190 and the beneficiary's account number to complete the transfer.
Account types you can open at the Kolkata Main Rt branch
Once you have an account at UCO Bank – KOLKATA MAIN RT, the IFSC UCBA0000190 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 Kolkata Main Rt branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-22343176.
- 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 UCBA0000190
Digital banking channels
Most day-to-day work that customers used to do at the Kolkata Main Rt 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 UCBA0000190 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.
How to reach the Kolkata Main Rt branch
The branch is located at 10, B. T. M. SARANI KOLKATA ,KOLKATA ,WEST BENGAL PIN 700001, 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 Kolkata Main Rt branch” — the verified location pin for IFSC UCBA0000190 should appear at the top of the results.
- Confirm the branch is open by calling 33-22343176 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 UCBA0000190 and your account number.
Common mistakes to avoid when using IFSC UCBA0000190
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 – KOLKATA MAIN RT, 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:
UCBA0000190. - 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.
Working hours
Branch counters at Kolkata Main Rt 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 UCBA0000190 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0000190 for UCO Bank – KOLKATA MAIN RT, 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 BankKolkata Main Rt Branch
10, B. T. M. SARANI KOLKATA ,KOLKATA ,WEST BENGAL PIN 700001
Kolkata, West Bengal
Phone: 33-22343176
IFSC: UCBA0000190
Frequently asked questions
What is the phone number of UCO Bank Kolkata Main Rt branch?
You can reach the branch at 33-22343176 during regular banking hours.
How do I add UCO Bank Kolkata Main Rt as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0000190, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UCBA0000190 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Kolkata Main Rt reflect within 30 minutes.
Is IFSC UCBA0000190 the same for all accounts at Kolkata Main Rt branch?
Yes. The IFSC UCBA0000190 is shared by every account held at UCO Bank's Kolkata Main Rt branch. Only the account number changes from customer to customer.
Does UCO Bank Kolkata Main Rt branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 33-22343176 to confirm.
What is the IFSC code of UCO Bank Kolkata Main Rt branch?
The IFSC code of UCO Bank, Kolkata Main Rt branch is UCBA0000190. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code UCBA0000190 belongs to UCO Bank's KOLKATA MAIN RT branch, located at 10, B. T. M. SARANI KOLKATA ,KOLKATA ,WEST BENGAL PIN 700001 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.
