This page lists the IFSC code, branch address, contact number and fund-transfer information for UCO Bank, LDA GOMTINAGAR branch in LUCKNOW. The 11-digit IFSC UCBA0001946 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 LDA GOMTINAGAR 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 – LDA GOMTINAGAR is UCBA0001946. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001946 map to this branch in LUCKNOW, UTTAR PRADESH.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Lda Gomtinagar |
| IFSC Code | UCBA0001946 |
| MICR Code | Refer to cheque leaf |
| Branch Address | LUCKNOW DEVELOPMENT AUTHORITY GOMTI NAGAR, LUCKNOW ,LUCKNOW ,UTTAR PRADESH PIN 226010 |
| City | Lucknow |
| District | Lucknow |
| State | Uttar Pradesh |
| STD Code | 522 |
| Phone | 2303475 |
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Lda Gomtinagar branch in Lucknow, Uttar Pradesh is part of this network and uses the IFSC code UCBA0001946 for all electronic settlement.
About the Lda Gomtinagar branch
The Lda Gomtinagar branch of UCO Bank is situated at LUCKNOW DEVELOPMENT AUTHORITY GOMTI NAGAR, LUCKNOW ,LUCKNOW ,UTTAR PRADESH PIN 226010. 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 UCBA0001946 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 LDA GOMTINAGAR of UCO Bank — its own 11-character IFSC. The code UCBA0001946 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 UCBA0001946 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 UCBA0001946
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 UCBA0001946 across all three.
How to use IFSC UCBA0001946 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's LDA GOMTINAGAR 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 UCBA0001946.
- Confirm the bank name auto-populates as UCO Bank and the branch as LDA GOMTINAGAR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UCBA0001946
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 – LDA GOMTINAGAR, ensure your bank's portal accepts IFSC UCBA0001946 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – LDA GOMTINAGAR, use IMPS. With IFSC UCBA0001946 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 Lda Gomtinagar
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 UCBA0001946:
- 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 LDA GOMTINAGAR is still linked to IFSC UCBA0001946.
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 UCBA0001946
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 – LDA GOMTINAGAR is still mapped to IFSC UCBA0001946. 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 UCBA0001946 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Lda Gomtinagar branch is mapped to IFSC UCBA0001946 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 UCBA0001946.
Banking services available
The Lda Gomtinagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 522-2303475.
- 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 UCBA0001946
MICR & cheque-truncation details
Cheques drawn on the Lda Gomtinagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0001946 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC UCBA0001946
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the LDA GOMTINAGAR 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 UCBA0001946 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.
Common mistakes to avoid when using IFSC UCBA0001946
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to UCO Bank – LDA GOMTINAGAR, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
UCBA0001946. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Reaching the branch
The Lda Gomtinagar branch sits at LUCKNOW DEVELOPMENT AUTHORITY GOMTI NAGAR, LUCKNOW ,LUCKNOW ,UTTAR PRADESH PIN 226010. If you are travelling from outside Lucknow, search for the branch on a maps application using the bank name and locality, or call 522-2303475 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 UCBA0001946 and your account number.
Verifying IFSC UCBA0001946 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 UCBA0001946 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 522-2303475.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Lda Gomtinagar 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 UCBA0001946 continue to work without interruption.
Branch address & contact
UCO BankLda Gomtinagar Branch
LUCKNOW DEVELOPMENT AUTHORITY GOMTI NAGAR, LUCKNOW ,LUCKNOW ,UTTAR PRADESH PIN 226010
Lucknow, Uttar Pradesh
Phone: 522-2303475
IFSC: UCBA0001946
Frequently asked questions
Is IFSC UCBA0001946 valid for NEFT and RTGS?
Yes. IFSC UCBA0001946 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC UCBA0001946 the same for all accounts at Lda Gomtinagar branch?
Yes. The IFSC UCBA0001946 is shared by every account held at UCO Bank's Lda Gomtinagar branch. Only the account number changes from customer to customer.
How do I add UCO Bank Lda Gomtinagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0001946, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is UCO Bank Lda Gomtinagar branch located?
UCO Bank's Lda Gomtinagar branch is located at LUCKNOW DEVELOPMENT AUTHORITY GOMTI NAGAR, LUCKNOW ,LUCKNOW ,UTTAR PRADESH PIN 226010, Lucknow, Uttar Pradesh.
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 Lda Gomtinagar branch but serve different purposes.
Can I use IFSC UCBA0001946 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0001946 to send funds instantly.
What is the phone number of UCO Bank Lda Gomtinagar branch?
You can reach the branch at 522-2303475 during regular banking hours.
What is the IFSC code of UCO Bank Lda Gomtinagar branch?
The IFSC code of UCO Bank, Lda Gomtinagar branch is UCBA0001946. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code UCBA0001946 belongs to UCO Bank's LDA GOMTINAGAR branch, located at LUCKNOW DEVELOPMENT AUTHORITY GOMTI NAGAR, LUCKNOW ,LUCKNOW ,UTTAR PRADESH PIN… 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.
