IFSC Code of UCO Bank, Hardori Road Branch, Uttar Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for UCO Bank, HARDORI ROAD branch in LUCKNOW. The 11-digit IFSC UCBA0003628 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with UCO Bank at the HARDORI ROAD location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 – HARDORI ROAD is UCBA0003628. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003628 map to this branch in LUCKNOW, UTTAR PRADESH.

About UCO Bank

UCO Bank operates a wide network of branches across India, including the Hardori Road branch in Lucknow. 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, UCBA0003628.

Hardori Road branch overview

Located at NO 600/279/037, N RING ROAD, FARIDIPUR CHAURAHA, PO KAKORI LUCKNOW UP PIN-226003, the Hardori Road branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0003628 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 HARDORI ROAD branch came to be assigned the code UCBA0003628.

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 UCBA0003628, money simply cannot be routed to the HARDORI ROAD branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Hardori Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0003628 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 UCBA0003628

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 UCBA0003628 across all three.

How to use IFSC UCBA0003628 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's HARDORI ROAD 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 UCBA0003628.
4. Confirm the bank name auto-populates as UCO Bank and the branch as HARDORI ROAD.
5. 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 HARDORI ROAD

If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's HARDORI ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0003628 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 – HARDORI ROAD, use IMPS. With IFSC UCBA0003628 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 UCBA0003628 for UCO Bank – HARDORI ROAD, 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.

For most retail customers crediting the Hardori Road 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 UCBA0003628

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 – HARDORI ROAD is still mapped to IFSC UCBA0003628. 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 UCBA0003628 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Hardori Road branch is mapped to IFSC UCBA0003628 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 UCBA0003628.

Products and services

Customers walking into the Hardori Road 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 UCBA0003628

Digital banking channels

Most day-to-day work that customers used to do at the Hardori Road 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 UCBA0003628 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 Hardori Road branch

The branch is located at NO 600/279/037, N RING ROAD, FARIDIPUR CHAURAHA, PO KAKORI LUCKNOW UP PIN-226003, which puts it inside Lucknow, the broader Lucknow district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “UCO Bank Hardori Road branch” — the verified location pin for IFSC UCBA0003628 should appear at the top of the results.
2. Confirm the branch is open by calling 522-4937658 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 UCBA0003628 and your account number.

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 – HARDORI ROAD:

• The IFSC is exactly UCBA0003628 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 HARDORI ROAD 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.

Working hours

Branch counters at Hardori Road 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 UCBA0003628 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UCBA0003628 for UCO Bank – HARDORI ROAD, 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

Frequently asked questions

Summary

The IFSC code UCBA0003628 belongs to UCO Bank's HARDORI ROAD branch, located at NO 600/279/037, N RING ROAD, FARIDIPUR CHAURAHA, PO KAKORI LUCKNOW UP PIN-226003 in LUCKNOW, UTTAR PRADESH. 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.