Below are the complete branch details for UCO Bank, RANJITGARH branch, located in PHILLAUR, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is UCBA0001323. 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 UCBA0001323 for UCO Bank – RANJITGARH — 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, UCBA0001323 is the IFSC of UCO Bank's RANJITGARH branch. The format is fixed: UCBA = bank code, 0 = reserved, 001323 = branch identifier.
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Ranjitgarh branch in Phillaur. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UCBA0001323.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Ranjitgarh |
| IFSC Code | UCBA0001323 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NOORMAHAL RD, VILL AND P.O.RANJITGARH, JALANDHAR ,PUNJAB PIN 144410 |
| City | Phillaur |
| District | Jalandhar |
| State | Punjab |
| STD Code | 181 |
| Phone | 222485 |
About the Ranjitgarh branch
The Ranjitgarh branch of UCO Bank is situated at NOORMAHAL RD, VILL AND P.O.RANJITGARH, JALANDHAR ,PUNJAB PIN 144410. 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 UCBA0001323 is used.
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 RANJITGARH branch came to be assigned the code UCBA0001323.
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 UCBA0001323, money simply cannot be routed to the RANJITGARH branch electronically.
Products and account variants supported
Every account opened at the Ranjitgarh branch is mapped to IFSC UCBA0001323 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 UCBA0001323.
Banking services available
The Ranjitgarh branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 181-222485.
- 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 UCBA0001323
How to transfer money using IFSC UCBA0001323
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 UCBA0001323 across all three.
How to use IFSC UCBA0001323 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's RANJITGARH 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 UCBA0001323.
- Confirm the bank name auto-populates as UCO Bank and the branch as RANJITGARH.
- 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 RANJITGARH
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's RANJITGARH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0001323 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 – RANJITGARH, use IMPS. With IFSC UCBA0001323 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 UCBA0001323 for UCO Bank – RANJITGARH, 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 – UCBA0001323 | Yes – UCBA0001323 | Yes – UCBA0001323 |
For most retail customers crediting the Ranjitgarh 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 UCBA0001323
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 – RANJITGARH is still mapped to IFSC UCBA0001323. 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 UCBA0001323 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 Ranjitgarh 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 UCBA0001323 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 & cheque-truncation details
Cheques drawn on the Ranjitgarh branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0001323 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC UCBA0001323
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 – RANJITGARH, 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:
UCBA0001323. - 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.
Reaching the branch
The Ranjitgarh branch sits at NOORMAHAL RD, VILL AND P.O.RANJITGARH, JALANDHAR ,PUNJAB PIN 144410. If you are travelling from outside Phillaur, search for the branch on a maps application using the bank name and locality, or call 181-222485 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 UCBA0001323 and your account number.
Verifying IFSC UCBA0001323 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 UCBA0001323 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 181-222485.
- Visiting the bank's official branch locator page.
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 Ranjitgarh branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0001323, however, work 24x7.
Branch address & contact
UCO BankRanjitgarh Branch
NOORMAHAL RD, VILL AND P.O.RANJITGARH, JALANDHAR ,PUNJAB PIN 144410
Phillaur, Punjab
Phone: 181-222485
IFSC: UCBA0001323
Frequently asked questions
What is the IFSC code of UCO Bank Ranjitgarh branch?
The IFSC code of UCO Bank, Ranjitgarh branch is UCBA0001323. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UCBA0001323 the same for all accounts at Ranjitgarh branch?
Yes. The IFSC UCBA0001323 is shared by every account held at UCO Bank's Ranjitgarh branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using UCBA0001323 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Ranjitgarh reflect within 30 minutes.
Is IFSC UCBA0001323 valid for NEFT and RTGS?
Yes. IFSC UCBA0001323 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC UCBA0001323 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0001323 to send funds instantly.
What is the phone number of UCO Bank Ranjitgarh branch?
You can reach the branch at 181-222485 during regular banking hours.
How do I add UCO Bank Ranjitgarh as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0001323, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: UCBA0001323 is the IFSC code of UCO Bank, RANJITGARH branch, in PHILLAUR, 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.
