IFSC Code of UCO Bank, Rafi Ahmed Kidwai Rd Kol Branch, West Bengal

Use this page as a one-stop reference for everything related to UCO Bank's RAFI AHMED KIDWAI RD KOL branch in KOLKATA, WEST BENGAL. The branch's IFSC code UCBA0000218 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For UCO Bank's RAFI AHMED KIDWAI RD KOL branch, the IFSC UCBA0000218 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 000218 identifies this particular branch.

Bank profile

UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Rafi Ahmed Kidwai Rd Kol branch — IFSC UCBA0000218 — extends the bank's services to customers in and around Kolkata, West Bengal.

Branch details at a glance

Rafi Ahmed Kidwai Rd Kol branch overview

Located at 54 2, RAFI AHMED KIDWAI ROAD ,KOLKATA ,WEST BENGAL PIN 700016, the Rafi Ahmed Kidwai Rd Kol branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0000218 is required for all interbank electronic transfers routed through this branch.

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 RAFI AHMED KIDWAI RD KOL of UCO Bank — its own 11-character IFSC. The code UCBA0000218 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 UCBA0000218 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Rafi Ahmed Kidwai Rd Kol branch is mapped to IFSC UCBA0000218 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 UCBA0000218.

Products and services

Customers walking into the Rafi Ahmed Kidwai Rd Kol 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 UCBA0000218

How to transfer money using IFSC UCBA0000218

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 UCBA0000218 across all three.

How to use IFSC UCBA0000218 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's RAFI AHMED KIDWAI RD KOL 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UCBA0000218.
4. Confirm the bank name auto-populates as UCO Bank and the branch as RAFI AHMED KIDWAI RD KOL.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UCBA0000218

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 – RAFI AHMED KIDWAI RD KOL, ensure your bank's portal accepts IFSC UCBA0000218 while registering the beneficiary. RTGS is also available 24x7.

IMPS to UCO Bank RAFI AHMED KIDWAI RD KOL (IFSC UCBA0000218)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0000218 in your mobile or internet banking app, and the money is credited to the RAFI AHMED KIDWAI RD KOL branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Rafi Ahmed Kidwai Rd Kol

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC UCBA0000218:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at RAFI AHMED KIDWAI RD KOL is still linked to IFSC UCBA0000218.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC UCBA0000218

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 – RAFI AHMED KIDWAI RD KOL is still mapped to IFSC UCBA0000218. 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 UCBA0000218 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UCBA0000218

UCO Bank customers can register for net banking and the bank's official mobile app once their account at the RAFI AHMED KIDWAI RD KOL 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 UCBA0000218 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 UCBA0000218 and the account number together uniquely identify the Rafi Ahmed Kidwai Rd Kol 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 – RAFI AHMED KIDWAI RD KOL:

• The IFSC is exactly UCBA0000218 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 RAFI AHMED KIDWAI RD KOL 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.

How to reach the Rafi Ahmed Kidwai Rd Kol branch

The branch is located at 54 2, RAFI AHMED KIDWAI ROAD ,KOLKATA ,WEST BENGAL PIN 700016, which puts it inside Kolkata, the broader Kolkata district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “UCO Bank Rafi Ahmed Kidwai Rd Kol branch” — the verified location pin for IFSC UCBA0000218 should appear at the top of the results.
2. Confirm the branch is open by calling 33-22297931 before stepping out, especially around public holidays.
3. 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 UCBA0000218 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UCBA0000218 for UCO Bank – RAFI AHMED KIDWAI RD KOL, 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.

Working hours

Branch counters at Rafi Ahmed Kidwai Rd Kol 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 UCBA0000218 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UCBA0000218 belongs to UCO Bank's RAFI AHMED KIDWAI RD KOL branch, located at 54 2, RAFI AHMED KIDWAI ROAD ,KOLKATA ,WEST BENGAL PIN 700016 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.