Below are the complete branch details for UCO Bank, PARAMAKUDI branch, located in PARAMAKUDI, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is UCBA0003695. 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 UCBA0003695 for UCO Bank – PARAMAKUDI — 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, UCBA0003695 is the IFSC of UCO Bank's PARAMAKUDI branch. The format is fixed: UCBA = bank code, 0 = reserved, 003695 = 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 Paramakudi branch in Paramakudi, Tamil Nadu is part of this network and uses the IFSC code UCBA0003695 for all electronic settlement.
About the Paramakudi branch
The Paramakudi branch of UCO Bank is situated at NO. 2 421-3, VASANTHAPURAM MAIN STREET, T S NO. 15, PLOT NO. 4, PARAMAKUDI TN 623707. 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 UCBA0003695 is used.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Paramakudi |
| IFSC Code | UCBA0003695 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO. 2 421-3, VASANTHAPURAM MAIN STREET, T S NO. 15, PLOT NO. 4, PARAMAKUDI TN 623707 |
| City | Paramakudi |
| District | Ramanathanpuram |
| State | Tamil Nadu |
| STD Code | 91 |
| Phone | 8610278856 |
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 PARAMAKUDI branch came to be assigned the code UCBA0003695.
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 UCBA0003695, money simply cannot be routed to the PARAMAKUDI branch electronically.
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 UCBA0003695 and the account number together uniquely identify the Paramakudi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UCBA0003695
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 UCBA0003695 across all three.
NEFT to UCO Bank, PARAMAKUDI using IFSC UCBA0003695
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 UCBA0003695, and confirm that the system picks up UCO Bank – PARAMAKUDI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0003695
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 – PARAMAKUDI, ensure your bank's portal accepts IFSC UCBA0003695 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – PARAMAKUDI, use IMPS. With IFSC UCBA0003695 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 UCBA0003695 for UCO Bank – PARAMAKUDI, 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 – UCBA0003695 | Yes – UCBA0003695 | Yes – UCBA0003695 |
For most retail customers crediting the Paramakudi 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.
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 PARAMAKUDI branch, the IFSC UCBA0003695 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 Paramakudi branch
Once you have an account at UCO Bank – PARAMAKUDI, the IFSC UCBA0003695 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.
Products and services
Customers walking into the Paramakudi 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 UCBA0003695
Online banking and IFSC UCBA0003695
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the PARAMAKUDI 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 UCBA0003695 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.
Reaching the branch
The Paramakudi branch sits at NO. 2 421-3, VASANTHAPURAM MAIN STREET, T S NO. 15, PLOT NO. 4, PARAMAKUDI TN 623707. If you are travelling from outside Paramakudi, search for the branch on a maps application using the bank name and locality, or call 91-8610278856 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 UCBA0003695 and your account number.
Common mistakes to avoid when using IFSC UCBA0003695
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 – PARAMAKUDI, 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:
UCBA0003695. - 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.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Paramakudi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0003695, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0003695 for UCO Bank – PARAMAKUDI, 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.
Branch address & contact
UCO BankParamakudi Branch
NO. 2 421-3, VASANTHAPURAM MAIN STREET, T S NO. 15, PLOT NO. 4, PARAMAKUDI TN 623707
Paramakudi, Tamil Nadu
Phone: 91-8610278856
IFSC: UCBA0003695
Frequently asked questions
Where is UCO Bank Paramakudi branch located?
UCO Bank's Paramakudi branch is located at NO. 2 421-3, VASANTHAPURAM MAIN STREET, T S NO. 15, PLOT NO. 4, PARAMAKUDI TN 623707, Paramakudi, Tamil Nadu.
How quickly will an NEFT transfer using UCBA0003695 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Paramakudi reflect within 30 minutes.
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 Paramakudi branch but serve different purposes.
Does UCO Bank Paramakudi branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-8610278856 to confirm.
Is IFSC UCBA0003695 valid for NEFT and RTGS?
Yes. IFSC UCBA0003695 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC UCBA0003695 the same for all accounts at Paramakudi branch?
Yes. The IFSC UCBA0003695 is shared by every account held at UCO Bank's Paramakudi branch. Only the account number changes from customer to customer.
How do I add UCO Bank Paramakudi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0003695, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: UCBA0003695 is the IFSC code of UCO Bank, PARAMAKUDI branch, in PARAMAKUDI, TAMIL NADU. 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.
