Use this page as a one-stop reference for everything related to UCO Bank's RISHRA branch in RISHRA, WEST BENGAL. The branch's IFSC code UCBA0000621 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for UCO Bank – RISHRA is UCBA0000621. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000621 map to this branch in RISHRA, WEST BENGAL.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Rishra |
| IFSC Code | UCBA0000621 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 48 49, N K BANERJEE STREET P.O. RISHRA DIST. HOOGHLY ,HUGLI ,WEST BENGAL PIN 712248 |
| City | Rishra |
| District | Hugli |
| State | West Bengal |
| STD Code | 33 |
| Phone | 26721361 |
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Rishra branch in Rishra. 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, UCBA0000621.
About the Rishra branch
The Rishra branch of UCO Bank is situated at 48 49, N K BANERJEE STREET P.O. RISHRA DIST. HOOGHLY ,HUGLI ,WEST BENGAL PIN 712248. 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 UCBA0000621 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 RISHRA branch came to be assigned the code UCBA0000621.
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 UCBA0000621, money simply cannot be routed to the RISHRA branch electronically.
How to transfer money using IFSC UCBA0000621
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 UCBA0000621 across all three.
NEFT to UCO Bank, RISHRA using IFSC UCBA0000621
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 UCBA0000621, and confirm that the system picks up UCO Bank – RISHRA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0000621
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 – RISHRA, ensure your bank's portal accepts IFSC UCBA0000621 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – RISHRA, use IMPS. With IFSC UCBA0000621 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 UCBA0000621 for UCO Bank – RISHRA, 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 – UCBA0000621 | Yes – UCBA0000621 | Yes – UCBA0000621 |
For most retail customers crediting the Rishra 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 RISHRA branch, the IFSC UCBA0000621 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 Rishra branch
Once you have an account at UCO Bank – RISHRA, the IFSC UCBA0000621 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 Rishra 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 UCBA0000621
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 UCBA0000621 and the account number together uniquely identify the Rishra branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC UCBA0000621
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the RISHRA 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 UCBA0000621 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.
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 – RISHRA:
- The IFSC is exactly UCBA0000621 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 RISHRA 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.
How to reach the Rishra branch
The branch is located at 48 49, N K BANERJEE STREET P.O. RISHRA DIST. HOOGHLY ,HUGLI ,WEST BENGAL PIN 712248, which puts it inside Rishra, the broader Hugli district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Rishra branch” — the verified location pin for IFSC UCBA0000621 should appear at the top of the results.
- Confirm the branch is open by calling 33-26721361 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 UCBA0000621 and your account number.
Verifying IFSC UCBA0000621 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 UCBA0000621 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 33-26721361.
- 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 Rishra branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0000621, however, work 24x7.
Branch address & contact
UCO BankRishra Branch
48 49, N K BANERJEE STREET P.O. RISHRA DIST. HOOGHLY ,HUGLI ,WEST BENGAL PIN 712248
Rishra, West Bengal
Phone: 33-26721361
IFSC: UCBA0000621
Frequently asked questions
Does UCO Bank Rishra branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 33-26721361 to confirm.
What is the phone number of UCO Bank Rishra branch?
You can reach the branch at 33-26721361 during regular banking hours.
How do I add UCO Bank Rishra as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0000621, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is UCO Bank Rishra branch located?
UCO Bank's Rishra branch is located at 48 49, N K BANERJEE STREET P.O. RISHRA DIST. HOOGHLY ,HUGLI ,WEST BENGAL PIN 712248, Rishra, West Bengal.
Is IFSC UCBA0000621 the same for all accounts at Rishra branch?
Yes. The IFSC UCBA0000621 is shared by every account held at UCO Bank's Rishra branch. Only the account number changes from customer to customer.
Is IFSC UCBA0000621 valid for NEFT and RTGS?
Yes. IFSC UCBA0000621 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 Rishra branch but serve different purposes.
What is the IFSC code of UCO Bank Rishra branch?
The IFSC code of UCO Bank, Rishra branch is UCBA0000621. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Final notes
To recap: UCBA0000621 is the IFSC code of UCO Bank, RISHRA branch, in RISHRA, WEST BENGAL. 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.
