This page lists the IFSC code, branch address, contact number and fund-transfer information for UCO Bank, KUTCHERY branch in RANCHI. The 11-digit IFSC UCBA0002072 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 KUTCHERY 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 KUTCHERY branch, the IFSC UCBA0002072 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 002072 identifies this particular branch.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Kutchery |
| IFSC Code | UCBA0002072 |
| MICR Code | Refer to cheque leaf |
| Branch Address | UCO BANK,KUTCHERY BRANCH,KALIBABU STREET, UPPER BAZAR, RANCHI,, RANCHI ,JHARKHAND PIN 834001 |
| City | Ranchi |
| District | Ranchi |
| State | Jharkhand |
| STD Code | 651 |
| Phone | 2460260 |
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Kutchery branch in Ranchi. 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, UCBA0002072.
About the Kutchery branch
The Kutchery branch of UCO Bank is situated at UCO BANK,KUTCHERY BRANCH,KALIBABU STREET, UPPER BAZAR, RANCHI,, RANCHI ,JHARKHAND PIN 834001. 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 UCBA0002072 is used.
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 KUTCHERY of UCO Bank — its own 11-character IFSC. The code UCBA0002072 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 UCBA0002072 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC UCBA0002072
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 UCBA0002072 across all three.
NEFT to UCO Bank, KUTCHERY using IFSC UCBA0002072
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 UCBA0002072, and confirm that the system picks up UCO Bank – KUTCHERY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0002072
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 – KUTCHERY, ensure your bank's portal accepts IFSC UCBA0002072 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – KUTCHERY, use IMPS. With IFSC UCBA0002072 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 UCBA0002072 for UCO Bank – KUTCHERY, 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 – UCBA0002072 | Yes – UCBA0002072 | Yes – UCBA0002072 |
For most retail customers crediting the Kutchery 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 KUTCHERY branch, the IFSC UCBA0002072 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 Kutchery branch is mapped to IFSC UCBA0002072 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 UCBA0002072.
Banking services available
The Kutchery branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 651-2460260.
- 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 UCBA0002072
MICR & cheque-truncation details
Cheques drawn on the Kutchery branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0002072 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Kutchery 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 UCBA0002072 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.
Common mistakes to avoid when using IFSC UCBA0002072
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 – KUTCHERY, 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:
UCBA0002072. - 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 Kutchery branch sits at UCO BANK,KUTCHERY BRANCH,KALIBABU STREET, UPPER BAZAR, RANCHI,, RANCHI ,JHARKHAND PIN 834001. If you are travelling from outside Ranchi, search for the branch on a maps application using the bank name and locality, or call 651-2460260 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 UCBA0002072 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0002072 for UCO Bank – KUTCHERY, 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 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 Kutchery branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0002072, however, work 24x7.
Branch address & contact
UCO BankKutchery Branch
UCO BANK,KUTCHERY BRANCH,KALIBABU STREET, UPPER BAZAR, RANCHI,, RANCHI ,JHARKHAND PIN 834001
Ranchi, Jharkhand
Phone: 651-2460260
IFSC: UCBA0002072
Frequently asked questions
How quickly will an NEFT transfer using UCBA0002072 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Kutchery reflect within 30 minutes.
Is IFSC UCBA0002072 valid for NEFT and RTGS?
Yes. IFSC UCBA0002072 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 Kutchery branch but serve different purposes.
What is the phone number of UCO Bank Kutchery branch?
You can reach the branch at 651-2460260 during regular banking hours.
Can I use IFSC UCBA0002072 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0002072 to send funds instantly.
Where is UCO Bank Kutchery branch located?
UCO Bank's Kutchery branch is located at UCO BANK,KUTCHERY BRANCH,KALIBABU STREET, UPPER BAZAR, RANCHI,, RANCHI ,JHARKHAND PIN 834001, Ranchi, Jharkhand.
Final notes
To recap: UCBA0002072 is the IFSC code of UCO Bank, KUTCHERY branch, in RANCHI, JHARKHAND. 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.
