This page lists the IFSC code, branch address, contact number and fund-transfer information for UCO Bank, NAINITAL branch in NAINITAL. The 11-digit IFSC UCBA0002872 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 NAINITAL 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.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For UCO Bank's NAINITAL branch, the IFSC UCBA0002872 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 002872 identifies this particular branch.
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Nainital branch in Nainital, Uttarakhand is part of this network and uses the IFSC code UCBA0002872 for all electronic settlement.
About the Nainital branch
The Nainital branch of UCO Bank is situated at KRISHNA BHAWAN NEAR CHURCH MALL ROAD TALLITAL ,NAINITAL ,UTTARAKHAND PIN 263002. 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 UCBA0002872 is used.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Nainital |
| IFSC Code | UCBA0002872 |
| MICR Code | Refer to cheque leaf |
| Branch Address | KRISHNA BHAWAN NEAR CHURCH MALL ROAD TALLITAL ,NAINITAL ,UTTARAKHAND PIN 263002 |
| City | Nainital |
| District | Nainital |
| State | Uttarakhand |
| STD Code | 91 |
| Phone | 9411546570 |
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 NAINITAL of UCO Bank — its own 11-character IFSC. The code UCBA0002872 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 UCBA0002872 the same way you would treat your account number — verify it once and save it carefully for future use.
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 UCBA0002872 and the account number together uniquely identify the Nainital branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UCBA0002872
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 UCBA0002872 across all three.
NEFT to UCO Bank, NAINITAL using IFSC UCBA0002872
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 UCBA0002872, and confirm that the system picks up UCO Bank – NAINITAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to NAINITAL
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's NAINITAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0002872 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 – NAINITAL, use IMPS. With IFSC UCBA0002872 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 UCBA0002872 for UCO Bank – NAINITAL, 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 – UCBA0002872 | Yes – UCBA0002872 | Yes – UCBA0002872 |
For most retail customers crediting the Nainital 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 UCBA0002872
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 – NAINITAL is still mapped to IFSC UCBA0002872. 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 UCBA0002872 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Nainital branch is mapped to IFSC UCBA0002872 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 UCBA0002872.
Banking services available
The Nainital branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9411546570.
- 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 UCBA0002872
Digital banking channels
Most day-to-day work that customers used to do at the Nainital 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 UCBA0002872 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.
How to reach the Nainital branch
The branch is located at KRISHNA BHAWAN NEAR CHURCH MALL ROAD TALLITAL ,NAINITAL ,UTTARAKHAND PIN 263002, which puts it inside Nainital, the broader Nainital district, and the state of Uttarakhand. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Nainital branch” — the verified location pin for IFSC UCBA0002872 should appear at the top of the results.
- Confirm the branch is open by calling 91-9411546570 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 UCBA0002872 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 – NAINITAL:
- The IFSC is exactly UCBA0002872 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 NAINITAL 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 Nainital 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 UCBA0002872 continue to work without interruption.
Verifying IFSC UCBA0002872 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 UCBA0002872 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9411546570.
- Visiting the bank's official branch locator page.
Branch address & contact
UCO BankNainital Branch
KRISHNA BHAWAN NEAR CHURCH MALL ROAD TALLITAL ,NAINITAL ,UTTARAKHAND PIN 263002
Nainital, Uttarakhand
Phone: 91-9411546570
IFSC: UCBA0002872
Frequently asked questions
What is the phone number of UCO Bank Nainital branch?
You can reach the branch at 91-9411546570 during regular banking hours.
Is IFSC UCBA0002872 valid for NEFT and RTGS?
Yes. IFSC UCBA0002872 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Nainital branch but serve different purposes.
Can I use IFSC UCBA0002872 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0002872 to send funds instantly.
What is the IFSC code of UCO Bank Nainital branch?
The IFSC code of UCO Bank, Nainital branch is UCBA0002872. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using UCBA0002872 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Nainital reflect within 30 minutes.
How do I add UCO Bank Nainital as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0002872, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UCBA0002872 the same for all accounts at Nainital branch?
Yes. The IFSC UCBA0002872 is shared by every account held at UCO Bank's Nainital branch. Only the account number changes from customer to customer.
Summary
The IFSC code UCBA0002872 belongs to UCO Bank's NAINITAL branch, located at KRISHNA BHAWAN NEAR CHURCH MALL ROAD TALLITAL ,NAINITAL ,UTTARAKHAND PIN 263002 in NAINITAL, UTTARAKHAND. 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.
