Below are the complete branch details for UCO Bank, KHARAR branch, located in MEDINIPUR, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is UCBA0000442. 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 UCBA0000442 for UCO Bank – KHARAR — 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, UCBA0000442 is the IFSC of UCO Bank's KHARAR branch. The format is fixed: UCBA = bank code, 0 = reserved, 000442 = branch identifier.
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kharar branch in Medinipur, West Bengal is part of this network and uses the IFSC code UCBA0000442 for all electronic settlement.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Kharar |
| IFSC Code | UCBA0000442 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL KHARAR,P.O KHARAR DISTRICT PASCHIM MEDINIPUR ,PASCHIM MEDINIPUR ,WEST BENGAL PIN 721222 |
| City | Medinipur |
| District | Medinipur |
| State | West Bengal |
| STD Code | 3222 |
| Phone | 262224 |
About this branch
The branch is located at VILL KHARAR,P.O KHARAR DISTRICT PASCHIM MEDINIPUR ,PASCHIM MEDINIPUR ,WEST BENGAL PIN 721222. 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 UCBA0000442 is used to identify this branch on the RBI payments network.
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 KHARAR branch came to be assigned the code UCBA0000442.
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 UCBA0000442, money simply cannot be routed to the KHARAR branch electronically.
Products and account variants supported
Every account opened at the Kharar branch is mapped to IFSC UCBA0000442 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 UCBA0000442.
Products and services
Customers walking into the Kharar 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 UCBA0000442
How to transfer money using IFSC UCBA0000442
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 UCBA0000442 across all three.
How to use IFSC UCBA0000442 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's KHARAR 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 UCBA0000442.
- Confirm the bank name auto-populates as UCO Bank and the branch as KHARAR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UCBA0000442
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 – KHARAR, ensure your bank's portal accepts IFSC UCBA0000442 while registering the beneficiary. RTGS is also available 24x7.
IMPS to UCO Bank KHARAR (IFSC UCBA0000442)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0000442 in your mobile or internet banking app, and the money is credited to the KHARAR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0000442 for UCO Bank – KHARAR, 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 – UCBA0000442 | Yes – UCBA0000442 | Yes – UCBA0000442 |
For most retail customers crediting the Kharar 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 UCBA0000442
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 – KHARAR is still mapped to IFSC UCBA0000442. 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 UCBA0000442 and the beneficiary's account number to complete the transfer.
Online banking and IFSC UCBA0000442
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the KHARAR 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 UCBA0000442 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.
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 UCBA0000442 and the account number together uniquely identify the Kharar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC UCBA0000442
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 – KHARAR, 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:
UCBA0000442. - 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.
How to reach the Kharar branch
The branch is located at VILL KHARAR,P.O KHARAR DISTRICT PASCHIM MEDINIPUR ,PASCHIM MEDINIPUR ,WEST BENGAL PIN 721222, which puts it inside Medinipur, the broader Medinipur district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Kharar branch” — the verified location pin for IFSC UCBA0000442 should appear at the top of the results.
- Confirm the branch is open by calling 3222-262224 before stepping out, especially around public holidays.
- 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 UCBA0000442 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0000442 for UCO Bank – KHARAR, 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.
Working hours
Branch counters at Kharar 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 UCBA0000442 continue to work without interruption.
Branch address & contact
UCO BankKharar Branch
VILL KHARAR,P.O KHARAR DISTRICT PASCHIM MEDINIPUR ,PASCHIM MEDINIPUR ,WEST BENGAL PIN 721222
Medinipur, West Bengal
Phone: 3222-262224
IFSC: UCBA0000442
Frequently asked questions
Where is UCO Bank Kharar branch located?
UCO Bank's Kharar branch is located at VILL KHARAR,P.O KHARAR DISTRICT PASCHIM MEDINIPUR ,PASCHIM MEDINIPUR ,WEST BENGAL PIN 721222, Medinipur, West Bengal.
What is the phone number of UCO Bank Kharar branch?
You can reach the branch at 3222-262224 during regular banking hours.
Can I use IFSC UCBA0000442 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0000442 to send funds instantly.
How do I add UCO Bank Kharar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0000442, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of UCO Bank Kharar branch?
The IFSC code of UCO Bank, Kharar branch is UCBA0000442. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using UCBA0000442 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Kharar reflect within 30 minutes.
Is IFSC UCBA0000442 valid for NEFT and RTGS?
Yes. IFSC UCBA0000442 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does UCO Bank Kharar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 3222-262224 to confirm.
Summary
The IFSC code UCBA0000442 belongs to UCO Bank's KHARAR branch, located at VILL KHARAR,P.O KHARAR DISTRICT PASCHIM MEDINIPUR ,PASCHIM MEDINIPUR ,WEST… 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.
