If you are searching for the IFSC code of UCO Bank, TAMLUK branch in TAMLUK, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is UCBA0002076. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the TAMLUK branch, and detailed step-by-step guides for using the IFSC UCBA0002076 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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, UCBA0002076 is the IFSC of UCO Bank's TAMLUK branch. The format is fixed: UCBA = bank code, 0 = reserved, 002076 = 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 Tamluk branch in Tamluk, West Bengal is part of this network and uses the IFSC code UCBA0002076 for all electronic settlement.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Tamluk |
| IFSC Code | UCBA0002076 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DAHARPUR, P.O. ANDP.S. TAMLUK, DIST.PURBAMEDINIPUR, PURBA MEDINIPUR ,WEST BENGAL PIN 721636 |
| City | Tamluk |
| District | Purba Medinipur |
| State | West Bengal |
| STD Code | 3228 |
| Phone | 270003 |
About the Tamluk branch
The Tamluk branch of UCO Bank is situated at DAHARPUR, P.O. ANDP.S. TAMLUK, DIST.PURBAMEDINIPUR, PURBA MEDINIPUR ,WEST BENGAL PIN 721636. 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 UCBA0002076 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 TAMLUK of UCO Bank — its own 11-character IFSC. The code UCBA0002076 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 UCBA0002076 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Tamluk branch
Once you have an account at UCO Bank – TAMLUK, the IFSC UCBA0002076 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 Tamluk 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 UCBA0002076
How to transfer money using IFSC UCBA0002076
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 UCBA0002076 across all three.
How to use IFSC UCBA0002076 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's TAMLUK 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 UCBA0002076.
- Confirm the bank name auto-populates as UCO Bank and the branch as TAMLUK.
- 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 TAMLUK
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's TAMLUK branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0002076 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 – TAMLUK, use IMPS. With IFSC UCBA0002076 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 UCBA0002076 for UCO Bank – TAMLUK, 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 – UCBA0002076 | Yes – UCBA0002076 | Yes – UCBA0002076 |
For most retail customers crediting the Tamluk 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 UCBA0002076
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 – TAMLUK is still mapped to IFSC UCBA0002076. 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 UCBA0002076 and the beneficiary's account number to complete the transfer.
Online banking and IFSC UCBA0002076
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the TAMLUK 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 UCBA0002076 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.
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 UCBA0002076 and the account number together uniquely identify the Tamluk branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC UCBA0002076
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 – TAMLUK, 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:
UCBA0002076. - 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 Tamluk branch sits at DAHARPUR, P.O. ANDP.S. TAMLUK, DIST.PURBAMEDINIPUR, PURBA MEDINIPUR ,WEST BENGAL PIN 721636. If you are travelling from outside Tamluk, search for the branch on a maps application using the bank name and locality, or call 3228-270003 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 UCBA0002076 and your account number.
Verifying IFSC UCBA0002076 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 UCBA0002076 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 3228-270003.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Tamluk 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 UCBA0002076 continue to work without interruption.
Branch address & contact
UCO BankTamluk Branch
DAHARPUR, P.O. ANDP.S. TAMLUK, DIST.PURBAMEDINIPUR, PURBA MEDINIPUR ,WEST BENGAL PIN 721636
Tamluk, West Bengal
Phone: 3228-270003
IFSC: UCBA0002076
Frequently asked questions
Can I use IFSC UCBA0002076 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0002076 to send funds instantly.
Where is UCO Bank Tamluk branch located?
UCO Bank's Tamluk branch is located at DAHARPUR, P.O. ANDP.S. TAMLUK, DIST.PURBAMEDINIPUR, PURBA MEDINIPUR ,WEST BENGAL PIN 721636, Tamluk, West Bengal.
How quickly will an NEFT transfer using UCBA0002076 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Tamluk reflect within 30 minutes.
How do I add UCO Bank Tamluk as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0002076, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of UCO Bank Tamluk branch?
You can reach the branch at 3228-270003 during regular banking hours.
Is IFSC UCBA0002076 the same for all accounts at Tamluk branch?
Yes. The IFSC UCBA0002076 is shared by every account held at UCO Bank's Tamluk branch. Only the account number changes from customer to customer.
What is the IFSC code of UCO Bank Tamluk branch?
The IFSC code of UCO Bank, Tamluk branch is UCBA0002076. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does UCO Bank Tamluk branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 3228-270003 to confirm.
Summary
The IFSC code UCBA0002076 belongs to UCO Bank's TAMLUK branch, located at DAHARPUR, P.O. ANDP.S. TAMLUK, DIST.PURBAMEDINIPUR, PURBA MEDINIPUR ,WEST… in TAMLUK, WEST BENGAL. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
