If you are searching for the IFSC code of UCO Bank, SONARPUR branch in KOLKATA, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is UCBA0002095. 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 SONARPUR branch, and detailed step-by-step guides for using the IFSC UCBA0002095 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.
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 SONARPUR branch, the IFSC UCBA0002095 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 002095 identifies this particular branch.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Sonarpur |
| IFSC Code | UCBA0002095 |
| MICR Code | Refer to cheque leaf |
| Branch Address | S 1 1.A.P.NAGAR PASCHIM ,SONARPUR,DISTRICT SOUTH 24 PARGANAS,KOLKATA ,SOUTH 24 PARGANAS ,WEST BENGAL PIN 700150 |
| City | Kolkata |
| District | Kolkata |
| State | West Bengal |
| STD Code | 33 |
| Phone | 24281320 |
Bank profile
UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Sonarpur branch — IFSC UCBA0002095 — extends the bank's services to customers in and around Kolkata, West Bengal.
About the Sonarpur branch
The Sonarpur branch of UCO Bank is situated at S 1 1.A.P.NAGAR PASCHIM ,SONARPUR,DISTRICT SOUTH 24 PARGANAS,KOLKATA ,SOUTH 24 PARGANAS ,WEST BENGAL PIN 700150. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code UCBA0002095 is used.
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 SONARPUR branch came to be assigned the code UCBA0002095.
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 UCBA0002095, money simply cannot be routed to the SONARPUR branch electronically.
How to transfer money using IFSC UCBA0002095
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 UCBA0002095 across all three.
How to use IFSC UCBA0002095 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's SONARPUR 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 UCBA0002095.
- Confirm the bank name auto-populates as UCO Bank and the branch as SONARPUR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UCBA0002095
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 – SONARPUR, ensure your bank's portal accepts IFSC UCBA0002095 while registering the beneficiary. RTGS is also available 24x7.
IMPS to UCO Bank SONARPUR (IFSC UCBA0002095)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0002095 in your mobile or internet banking app, and the money is credited to the SONARPUR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0002095 for UCO Bank – SONARPUR, 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 – UCBA0002095 | Yes – UCBA0002095 | Yes – UCBA0002095 |
For most retail customers crediting the Sonarpur 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 SONARPUR branch, the IFSC UCBA0002095 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.
Account types you can open at the Sonarpur branch
Once you have an account at UCO Bank – SONARPUR, the IFSC UCBA0002095 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 Sonarpur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-24281320.
- 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 UCBA0002095
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 UCBA0002095 and the account number together uniquely identify the Sonarpur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC UCBA0002095
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the SONARPUR 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 UCBA0002095 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.
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 – SONARPUR:
- The IFSC is exactly UCBA0002095 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 SONARPUR 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 Sonarpur branch
The branch is located at S 1 1.A.P.NAGAR PASCHIM ,SONARPUR,DISTRICT SOUTH 24 PARGANAS,KOLKATA ,SOUTH 24 PARGANAS ,WEST BENGAL PIN 700150, 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 Sonarpur branch” — the verified location pin for IFSC UCBA0002095 should appear at the top of the results.
- Confirm the branch is open by calling 33-24281320 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 UCBA0002095 and your account number.
Verifying IFSC UCBA0002095 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 UCBA0002095 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 33-24281320.
- 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 Sonarpur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0002095, however, work 24x7.
Branch address & contact
UCO BankSonarpur Branch
S 1 1.A.P.NAGAR PASCHIM ,SONARPUR,DISTRICT SOUTH 24 PARGANAS,KOLKATA ,SOUTH 24 PARGANAS ,WEST BENGAL PIN 700150
Kolkata, West Bengal
Phone: 33-24281320
IFSC: UCBA0002095
Frequently asked questions
How do I add UCO Bank Sonarpur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0002095, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UCBA0002095 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Sonarpur reflect within 30 minutes.
Does UCO Bank Sonarpur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 33-24281320 to confirm.
Is IFSC UCBA0002095 the same for all accounts at Sonarpur branch?
Yes. The IFSC UCBA0002095 is shared by every account held at UCO Bank's Sonarpur branch. Only the account number changes from customer to customer.
Is IFSC UCBA0002095 valid for NEFT and RTGS?
Yes. IFSC UCBA0002095 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of UCO Bank Sonarpur branch?
The IFSC code of UCO Bank, Sonarpur branch is UCBA0002095. 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 Sonarpur branch but serve different purposes.
What is the phone number of UCO Bank Sonarpur branch?
You can reach the branch at 33-24281320 during regular banking hours.
Summary
The IFSC code UCBA0002095 belongs to UCO Bank's SONARPUR branch, located at S 1 1.A.P.NAGAR PASCHIM ,SONARPUR,DISTRICT SOUTH 24 PARGANAS,KOLKATA ,SOUTH 24… 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.
