IFSC Code of UCO Bank, Mullanpur Dhakha Branch, Punjab

If you are searching for the IFSC code of UCO Bank, MULLANPUR DHAKHA branch in MULLANPUR DHAKA, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is UCBA0003021. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the MULLANPUR DHAKHA branch, and detailed step-by-step guides for using the IFSC UCBA0003021 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 – MULLANPUR DHAKHA is UCBA0003021. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003021 map to this branch in MULLANPUR DHAKA, PUNJAB.

Bank profile

UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Mullanpur Dhakha branch — IFSC UCBA0003021 — extends the bank's services to customers in and around Mullanpur Dhaka, Punjab.

Branch details at a glance

Mullanpur Dhakha branch overview

Located at MULLANPUR DAKHA, FIROZPUR ROAD, LUDHIANA ,PUNJAB PIN 141102, the Mullanpur Dhakha branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0003021 is required for all interbank electronic transfers routed through this branch.

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 MULLANPUR DHAKHA branch came to be assigned the code UCBA0003021.

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 UCBA0003021, money simply cannot be routed to the MULLANPUR DHAKHA branch electronically.

Products and account variants supported

Every account opened at the Mullanpur Dhakha branch is mapped to IFSC UCBA0003021 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 UCBA0003021.

Products and services

Customers walking into the Mullanpur Dhakha 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 UCBA0003021

How to transfer money using IFSC UCBA0003021

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 UCBA0003021 across all three.

How to use IFSC UCBA0003021 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's MULLANPUR DHAKHA 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 UCBA0003021.
4. Confirm the bank name auto-populates as UCO Bank and the branch as MULLANPUR DHAKHA.
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 MULLANPUR DHAKHA

If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's MULLANPUR DHAKHA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0003021 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 – MULLANPUR DHAKHA, use IMPS. With IFSC UCBA0003021 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 UCBA0003021 for UCO Bank – MULLANPUR DHAKHA, 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 Mullanpur Dhakha 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 UCBA0003021

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 – MULLANPUR DHAKHA is still mapped to IFSC UCBA0003021. 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 UCBA0003021 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Mullanpur Dhakha 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 UCBA0003021 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.

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 UCBA0003021 and the account number together uniquely identify the Mullanpur Dhakha branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – MULLANPUR DHAKHA:

• The IFSC is exactly UCBA0003021 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 MULLANPUR DHAKHA 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 Mullanpur Dhakha branch sits at MULLANPUR DAKHA, FIROZPUR ROAD, LUDHIANA ,PUNJAB PIN 141102. If you are travelling from outside Mullanpur Dhaka, search for the branch on a maps application using the bank name and locality, or call 91-8699002282 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 UCBA0003021 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UCBA0003021 for UCO Bank – MULLANPUR DHAKHA, 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 Mullanpur Dhakha 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 UCBA0003021 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UCBA0003021 is the IFSC code of UCO Bank, MULLANPUR DHAKHA branch, in MULLANPUR DHAKA, PUNJAB. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.