Below are the complete branch details for UCO Bank, RATH branch, located in RATH, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is UCBA0002517. 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 UCBA0002517 for UCO Bank – RATH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 RATH branch, the IFSC UCBA0002517 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 002517 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 Rath branch in Rath, Uttar Pradesh is part of this network and uses the IFSC code UCBA0002517 for all electronic settlement.
About this branch
The branch is located at UCO BANK DHAWAKER HOUSE , NEAR ORAI BUS STAND RATH DISTT HAMIRPUR ,HAMIRPUR ,UTTAR PRADESH PIN 210431. It serves the Rath 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 UCBA0002517 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Rath |
| IFSC Code | UCBA0002517 |
| MICR Code | Refer to cheque leaf |
| Branch Address | UCO BANK DHAWAKER HOUSE , NEAR ORAI BUS STAND RATH DISTT HAMIRPUR ,HAMIRPUR ,UTTAR PRADESH PIN 210431 |
| City | Rath |
| District | Hamirpur |
| State | Uttar Pradesh |
| STD Code | 5280 |
| Phone | 2205222 |
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 RATH of UCO Bank — its own 11-character IFSC. The code UCBA0002517 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 UCBA0002517 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 UCBA0002517 and the account number together uniquely identify the Rath branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UCBA0002517
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 UCBA0002517 across all three.
How to use IFSC UCBA0002517 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's RATH 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 UCBA0002517.
- Confirm the bank name auto-populates as UCO Bank and the branch as RATH.
- 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 RATH
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's RATH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0002517 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 – RATH, use IMPS. With IFSC UCBA0002517 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 UCBA0002517 for UCO Bank – RATH, 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 – UCBA0002517 | Yes – UCBA0002517 | Yes – UCBA0002517 |
For most retail customers crediting the Rath 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 UCBA0002517
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 – RATH is still mapped to IFSC UCBA0002517. 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 UCBA0002517 and the beneficiary's account number to complete the transfer.
Account types you can open at the Rath branch
Once you have an account at UCO Bank – RATH, the IFSC UCBA0002517 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 Rath 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 UCBA0002517
Online banking and IFSC UCBA0002517
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the RATH 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 UCBA0002517 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 Rath branch sits at UCO BANK DHAWAKER HOUSE , NEAR ORAI BUS STAND RATH DISTT HAMIRPUR ,HAMIRPUR ,UTTAR PRADESH PIN 210431. If you are travelling from outside Rath, search for the branch on a maps application using the bank name and locality, or call 5280-2205222 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 UCBA0002517 and your account number.
Common mistakes to avoid when using IFSC UCBA0002517
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 – RATH, 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:
UCBA0002517. - 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.
Working hours
Branch counters at Rath 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 UCBA0002517 continue to work without interruption.
Verifying IFSC UCBA0002517 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 UCBA0002517 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 5280-2205222.
- Visiting the bank's official branch locator page.
Branch address & contact
UCO BankRath Branch
UCO BANK DHAWAKER HOUSE , NEAR ORAI BUS STAND RATH DISTT HAMIRPUR ,HAMIRPUR ,UTTAR PRADESH PIN 210431
Rath, Uttar Pradesh
Phone: 5280-2205222
IFSC: UCBA0002517
Frequently asked questions
How do I add UCO Bank Rath as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0002517, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UCBA0002517 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Rath reflect within 30 minutes.
What is the phone number of UCO Bank Rath branch?
You can reach the branch at 5280-2205222 during regular banking hours.
Where is UCO Bank Rath branch located?
UCO Bank's Rath branch is located at UCO BANK DHAWAKER HOUSE , NEAR ORAI BUS STAND RATH DISTT HAMIRPUR ,HAMIRPUR ,UTTAR PRADESH PIN 210431, Rath, Uttar Pradesh.
Does UCO Bank Rath branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 5280-2205222 to confirm.
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 Rath branch but serve different purposes.
Is IFSC UCBA0002517 valid for NEFT and RTGS?
Yes. IFSC UCBA0002517 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC UCBA0002517 the same for all accounts at Rath branch?
Yes. The IFSC UCBA0002517 is shared by every account held at UCO Bank's Rath branch. Only the account number changes from customer to customer.
Final notes
To recap: UCBA0002517 is the IFSC code of UCO Bank, RATH branch, in RATH, UTTAR PRADESH. 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.
