IFSC Code of UCO Bank, Naihati Branch, West Bengal

Below are the complete branch details for UCO Bank, NAIHATI branch, located in NAIHATI, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is UCBA0002400. 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 UCBA0002400 for UCO Bank – NAIHATI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – NAIHATI is UCBA0002400. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002400 map to this branch in NAIHATI, WEST BENGAL.

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 Naihati branch in Naihati, West Bengal is part of this network and uses the IFSC code UCBA0002400 for all electronic settlement.

About this branch

The branch is located at UTTARAYAN, HOSPITAL ROAD OPP. TO NAIHATI STATE GENERAL HOSPITAL, P.O.NAIHATI, DIST.24 PARGANAS N , ,NORTH 24 PARGANAS ,WEST BENGAL PIN 743165. It serves the Naihati 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 UCBA0002400 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 NAIHATI branch came to be assigned the code UCBA0002400.

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 UCBA0002400, money simply cannot be routed to the NAIHATI branch electronically.

How to transfer money using IFSC UCBA0002400

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 UCBA0002400 across all three.

NEFT to UCO Bank, NAIHATI using IFSC UCBA0002400

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC UCBA0002400, and confirm that the system picks up UCO Bank – NAIHATI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to NAIHATI

If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's NAIHATI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0002400 while initiating the transfer and the credit will appear within minutes.

IMPS to UCO Bank NAIHATI (IFSC UCBA0002400)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0002400 in your mobile or internet banking app, and the money is credited to the NAIHATI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Naihati

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 UCBA0002400:

• 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 NAIHATI is still linked to IFSC UCBA0002400.

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 NAIHATI branch, the IFSC UCBA0002400 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 Naihati branch is mapped to IFSC UCBA0002400 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 UCBA0002400.

Banking services available

The Naihati branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9830813424.

• 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 UCBA0002400

MICR & cheque-truncation details

Cheques drawn on the Naihati branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0002400 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC UCBA0002400

UCO Bank customers can register for net banking and the bank's official mobile app once their account at the NAIHATI 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 UCBA0002400 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 – NAIHATI:

• The IFSC is exactly UCBA0002400 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 NAIHATI 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 Naihati branch sits at UTTARAYAN, HOSPITAL ROAD OPP. TO NAIHATI STATE GENERAL HOSPITAL, P.O.NAIHATI, DIST.24 PARGANAS N , ,NORTH 24 PARGANAS ,WEST BENGAL PIN 743165. If you are travelling from outside Naihati, search for the branch on a maps application using the bank name and locality, or call 91-9830813424 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 UCBA0002400 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UCBA0002400 for UCO Bank – NAIHATI, 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 Naihati 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 UCBA0002400 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UCBA0002400 is the IFSC code of UCO Bank, NAIHATI branch, in NAIHATI, WEST BENGAL. 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.