IFSC Code of UCO Bank, Hazratgaunj Lucknow Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to UCO Bank's HAZRATGAUNJ LUCKNOW branch in LUCKNOW, UTTAR PRADESH. The branch's IFSC code UCBA0000046 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.

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, UCBA0000046 is the IFSC of UCO Bank's HAZRATGAUNJ LUCKNOW branch. The format is fixed: UCBA = bank code, 0 = reserved, 000046 = branch identifier.

Branch details at a glance

About the bank

UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Hazratgaunj Lucknow branch in Lucknow, Uttar Pradesh is part of this network and uses the IFSC code UCBA0000046 for all electronic settlement.

About the Hazratgaunj Lucknow branch

The Hazratgaunj Lucknow branch of UCO Bank is situated at 15, HAZARAT GANJ LUCKNOW ,LUCKNOW ,UTTAR PRADESH PIN 226001. 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 UCBA0000046 is used.

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 HAZRATGAUNJ LUCKNOW of UCO Bank — its own 11-character IFSC. The code UCBA0000046 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 UCBA0000046 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC UCBA0000046

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 UCBA0000046 across all three.

How to use IFSC UCBA0000046 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's HAZRATGAUNJ LUCKNOW 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 UCBA0000046.
4. Confirm the bank name auto-populates as UCO Bank and the branch as HAZRATGAUNJ LUCKNOW.
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 HAZRATGAUNJ LUCKNOW

If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's HAZRATGAUNJ LUCKNOW branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0000046 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 – HAZRATGAUNJ LUCKNOW, use IMPS. With IFSC UCBA0000046 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Hazratgaunj Lucknow

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 UCBA0000046:

• 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 HAZRATGAUNJ LUCKNOW is still linked to IFSC UCBA0000046.

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.

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 HAZRATGAUNJ LUCKNOW branch, the IFSC UCBA0000046 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.

Products and account variants supported

Every account opened at the Hazratgaunj Lucknow branch is mapped to IFSC UCBA0000046 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 UCBA0000046.

Products and services

Customers walking into the Hazratgaunj Lucknow 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 UCBA0000046

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 UCBA0000046 and the account number together uniquely identify the Hazratgaunj Lucknow branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC UCBA0000046

UCO Bank customers can register for net banking and the bank's official mobile app once their account at the HAZRATGAUNJ LUCKNOW 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 UCBA0000046 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 – HAZRATGAUNJ LUCKNOW:

• The IFSC is exactly UCBA0000046 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 HAZRATGAUNJ LUCKNOW 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 Hazratgaunj Lucknow branch sits at 15, HAZARAT GANJ LUCKNOW ,LUCKNOW ,UTTAR PRADESH PIN 226001. If you are travelling from outside Lucknow, search for the branch on a maps application using the bank name and locality, or call 522-2615293 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 UCBA0000046 and your account number.

Verifying IFSC UCBA0000046 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 UCBA0000046 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 522-2615293.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Hazratgaunj Lucknow 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 UCBA0000046 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UCBA0000046 belongs to UCO Bank's HAZRATGAUNJ LUCKNOW branch, located at 15, HAZARAT GANJ LUCKNOW ,LUCKNOW ,UTTAR PRADESH PIN 226001 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.