Use this page as a one-stop reference for everything related to UCO Bank's KESHPUR branch in MEDINIPUR, WEST BENGAL. The branch's IFSC code UCBA0000942 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.
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 – KESHPUR is UCBA0000942. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000942 map to this branch in MEDINIPUR, WEST BENGAL.
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Keshpur branch in Medinipur. 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, UCBA0000942.
About this branch
The branch is located at P.O.AND VILLAGE KESHPUR ,PASCHIM MEDINIPUR ,WEST BENGAL PIN 721150. It serves the Medinipur region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of UCO Bank. The IFSC UCBA0000942 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Keshpur |
| IFSC Code | UCBA0000942 |
| MICR Code | Refer to cheque leaf |
| Branch Address | P.O.AND VILLAGE KESHPUR ,PASCHIM MEDINIPUR ,WEST BENGAL PIN 721150 |
| City | Medinipur |
| District | Medinipur |
| State | West Bengal |
| STD Code | 3222 |
| Phone | 27250224 |
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 KESHPUR of UCO Bank — its own 11-character IFSC. The code UCBA0000942 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 UCBA0000942 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Keshpur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0000942 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 UCBA0000942
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 UCBA0000942 across all three.
How to use IFSC UCBA0000942 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's KESHPUR 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 UCBA0000942.
- Confirm the bank name auto-populates as UCO Bank and the branch as KESHPUR.
- 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 KESHPUR
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's KESHPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0000942 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 – KESHPUR, use IMPS. With IFSC UCBA0000942 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 Keshpur
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 UCBA0000942:
- 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 KESHPUR is still linked to IFSC UCBA0000942.
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 KESHPUR branch, the IFSC UCBA0000942 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 Keshpur branch
Once you have an account at UCO Bank – KESHPUR, the IFSC UCBA0000942 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 Keshpur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 3222-27250224.
- 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 UCBA0000942
Digital banking channels
Most day-to-day work that customers used to do at the Keshpur 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 UCBA0000942 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.
Reaching the branch
The Keshpur branch sits at P.O.AND VILLAGE KESHPUR ,PASCHIM MEDINIPUR ,WEST BENGAL PIN 721150. If you are travelling from outside Medinipur, search for the branch on a maps application using the bank name and locality, or call 3222-27250224 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 UCBA0000942 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 – KESHPUR:
- The IFSC is exactly UCBA0000942 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 KESHPUR 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 Keshpur 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 UCBA0000942 continue to work without interruption.
Verifying IFSC UCBA0000942 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 UCBA0000942 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 3222-27250224.
- Visiting the bank's official branch locator page.
Branch address & contact
UCO BankKeshpur Branch
P.O.AND VILLAGE KESHPUR ,PASCHIM MEDINIPUR ,WEST BENGAL PIN 721150
Medinipur, West Bengal
Phone: 3222-27250224
IFSC: UCBA0000942
Frequently asked questions
Is IFSC UCBA0000942 the same for all accounts at Keshpur branch?
Yes. The IFSC UCBA0000942 is shared by every account held at UCO Bank's Keshpur branch. Only the account number changes from customer to customer.
What is the IFSC code of UCO Bank Keshpur branch?
The IFSC code of UCO Bank, Keshpur branch is UCBA0000942. 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 Keshpur branch but serve different purposes.
What is the phone number of UCO Bank Keshpur branch?
You can reach the branch at 3222-27250224 during regular banking hours.
How do I add UCO Bank Keshpur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0000942, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UCBA0000942 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Keshpur reflect within 30 minutes.
Where is UCO Bank Keshpur branch located?
UCO Bank's Keshpur branch is located at P.O.AND VILLAGE KESHPUR ,PASCHIM MEDINIPUR ,WEST BENGAL PIN 721150, Medinipur, West Bengal.
Summary
The IFSC code UCBA0000942 belongs to UCO Bank's KESHPUR branch, located at P.O.AND VILLAGE KESHPUR ,PASCHIM MEDINIPUR ,WEST BENGAL PIN 721150 in MEDINIPUR, 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.
