Below are the complete branch details for UCO Bank, LOHIAN KHAS branch, located in LOHIAN KHAS, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is UCBA0002309. 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 UCBA0002309 for UCO Bank – LOHIAN KHAS — 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, UCBA0002309 is the IFSC of UCO Bank's LOHIAN KHAS branch. The format is fixed: UCBA = bank code, 0 = reserved, 002309 = branch identifier.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Lohian Khas |
| IFSC Code | UCBA0002309 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MAIN ROAD LOHIAN KHAS TEH. SHAHKOT DISTT. JALANDHAR ,JALANDHAR ,PUNJAB PIN 144629 |
| City | Lohian Khas |
| District | Jalandhar |
| State | Punjab |
| STD Code | 91 |
| Phone | 9876609079 |
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Lohian Khas branch in Lohian Khas. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UCBA0002309.
About the Lohian Khas branch
The Lohian Khas branch of UCO Bank is situated at MAIN ROAD LOHIAN KHAS TEH. SHAHKOT DISTT. JALANDHAR ,JALANDHAR ,PUNJAB PIN 144629. 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 UCBA0002309 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 LOHIAN KHAS branch came to be assigned the code UCBA0002309.
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 UCBA0002309, money simply cannot be routed to the LOHIAN KHAS branch electronically.
How to transfer money using IFSC UCBA0002309
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 UCBA0002309 across all three.
How to use IFSC UCBA0002309 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's LOHIAN KHAS 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 UCBA0002309.
- Confirm the bank name auto-populates as UCO Bank and the branch as LOHIAN KHAS.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to LOHIAN KHAS
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's LOHIAN KHAS branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0002309 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 – LOHIAN KHAS, use IMPS. With IFSC UCBA0002309 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 UCBA0002309 for UCO Bank – LOHIAN KHAS, 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 – UCBA0002309 | Yes – UCBA0002309 | Yes – UCBA0002309 |
For most retail customers crediting the Lohian Khas 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 UCBA0002309
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 – LOHIAN KHAS is still mapped to IFSC UCBA0002309. 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 UCBA0002309 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Lohian Khas branch is mapped to IFSC UCBA0002309 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 UCBA0002309.
Banking services available
The Lohian Khas branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9876609079.
- 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 UCBA0002309
MICR & cheque-truncation details
Cheques drawn on the Lohian Khas branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0002309 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC UCBA0002309
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the LOHIAN KHAS 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 UCBA0002309 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 – LOHIAN KHAS:
- The IFSC is exactly UCBA0002309 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 LOHIAN KHAS 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 Lohian Khas branch sits at MAIN ROAD LOHIAN KHAS TEH. SHAHKOT DISTT. JALANDHAR ,JALANDHAR ,PUNJAB PIN 144629. If you are travelling from outside Lohian Khas, search for the branch on a maps application using the bank name and locality, or call 91-9876609079 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 UCBA0002309 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0002309 for UCO Bank – LOHIAN KHAS, 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 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 Lohian Khas branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0002309, however, work 24x7.
Branch address & contact
UCO BankLohian Khas Branch
MAIN ROAD LOHIAN KHAS TEH. SHAHKOT DISTT. JALANDHAR ,JALANDHAR ,PUNJAB PIN 144629
Lohian Khas, Punjab
Phone: 91-9876609079
IFSC: UCBA0002309
Frequently asked questions
Can I use IFSC UCBA0002309 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0002309 to send funds instantly.
Where is UCO Bank Lohian Khas branch located?
UCO Bank's Lohian Khas branch is located at MAIN ROAD LOHIAN KHAS TEH. SHAHKOT DISTT. JALANDHAR ,JALANDHAR ,PUNJAB PIN 144629, Lohian Khas, Punjab.
Is IFSC UCBA0002309 the same for all accounts at Lohian Khas branch?
Yes. The IFSC UCBA0002309 is shared by every account held at UCO Bank's Lohian Khas branch. Only the account number changes from customer to customer.
Does UCO Bank Lohian Khas branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9876609079 to confirm.
What is the IFSC code of UCO Bank Lohian Khas branch?
The IFSC code of UCO Bank, Lohian Khas branch is UCBA0002309. 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 Lohian Khas branch but serve different purposes.
How quickly will an NEFT transfer using UCBA0002309 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Lohian Khas reflect within 30 minutes.
How do I add UCO Bank Lohian Khas as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0002309, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code UCBA0002309 belongs to UCO Bank's LOHIAN KHAS branch, located at MAIN ROAD LOHIAN KHAS TEH. SHAHKOT DISTT. JALANDHAR ,JALANDHAR ,PUNJAB PIN … in LOHIAN KHAS, PUNJAB. 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.
