This page lists the IFSC code, branch address, contact number and fund-transfer information for UCO Bank, GODHBUNDER ROAD branch in THANE. The 11-digit IFSC UCBA0002296 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 GODHBUNDER ROAD 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 GODHBUNDER ROAD branch, the IFSC UCBA0002296 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 002296 identifies this particular branch.
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Godhbunder Road branch in Thane. 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, UCBA0002296.
About this branch
The branch is located at SHOP NO.61 64, SWASTIK RESIDENCY, PH.II, BUILDING NO.A 8, NEAR SARASWATI SCHOOL, BEHIND MUCHHALA COLLEGE, KAVESAR, ANAND NAGAR, GHODBUNDER ROAD, THANE. ,THANE ,MAHARASHTRA PIN 400607. It serves the Thane 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 UCBA0002296 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Godhbunder Road |
| IFSC Code | UCBA0002296 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHOP NO.61 64, SWASTIK RESIDENCY, PH.II, BUILDING NO.A 8, NEAR SARASWATI SCHOOL, BEHIND MUCHHALA COLLEGE, KAVESAR, ANAND NAGAR, GHODBUNDER ROAD, THANE. ,THANE ,MAHARASHTRA PIN 400607 |
| City | Thane |
| District | Thane |
| State | Maharashtra |
| STD Code | 91 |
| Phone | 9869267392 |
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 GODHBUNDER ROAD of UCO Bank — its own 11-character IFSC. The code UCBA0002296 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 UCBA0002296 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Godhbunder Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0002296 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC UCBA0002296
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 UCBA0002296 across all three.
NEFT to UCO Bank, GODHBUNDER ROAD using IFSC UCBA0002296
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 UCBA0002296, and confirm that the system picks up UCO Bank – GODHBUNDER ROAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to GODHBUNDER ROAD
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's GODHBUNDER ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0002296 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 – GODHBUNDER ROAD, use IMPS. With IFSC UCBA0002296 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Godhbunder Road
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC UCBA0002296:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at GODHBUNDER ROAD is still linked to IFSC UCBA0002296.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
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 GODHBUNDER ROAD branch, the IFSC UCBA0002296 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 Godhbunder Road branch
Once you have an account at UCO Bank – GODHBUNDER ROAD, the IFSC UCBA0002296 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.
Banking services available
The Godhbunder Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9869267392.
- 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 UCBA0002296
Online banking and IFSC UCBA0002296
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the GODHBUNDER ROAD 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 UCBA0002296 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.
How to reach the Godhbunder Road branch
The branch is located at SHOP NO.61 64, SWASTIK RESIDENCY, PH.II, BUILDING NO.A 8, NEAR SARASWATI SCHOOL, BEHIND MUCHHALA COLLEGE, KAVESAR, ANAND NAGAR, GHODBUNDER ROAD, THANE. ,THANE ,MAHARASHTRA PIN 400607, which puts it inside Thane, the broader Thane district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Godhbunder Road branch” — the verified location pin for IFSC UCBA0002296 should appear at the top of the results.
- Confirm the branch is open by calling 91-9869267392 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 UCBA0002296 and your account number.
Common mistakes to avoid when using IFSC UCBA0002296
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 – GODHBUNDER ROAD, 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:
UCBA0002296. - 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 Godhbunder Road 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 UCBA0002296 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0002296 for UCO Bank – GODHBUNDER ROAD, 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 address & contact
UCO BankGodhbunder Road Branch
SHOP NO.61 64, SWASTIK RESIDENCY, PH.II, BUILDING NO.A 8, NEAR SARASWATI SCHOOL, BEHIND MUCHHALA COLLEGE, KAVESAR, ANAND NAGAR, GHODBUNDER ROAD, THANE. ,THANE ,MAHARASHTRA PIN 400607
Thane, Maharashtra
Phone: 91-9869267392
IFSC: UCBA0002296
Frequently asked questions
Does UCO Bank Godhbunder Road branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9869267392 to confirm.
What is the phone number of UCO Bank Godhbunder Road branch?
You can reach the branch at 91-9869267392 during regular banking hours.
How quickly will an NEFT transfer using UCBA0002296 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Godhbunder Road reflect within 30 minutes.
Where is UCO Bank Godhbunder Road branch located?
UCO Bank's Godhbunder Road branch is located at SHOP NO.61 64, SWASTIK RESIDENCY, PH.II, BUILDING NO.A 8, NEAR SARASWATI SCHOOL, BEHIND MUCHHALA COLLEGE, KAVESAR, ANAND NAGAR, GHODBUNDER ROAD, THANE. ,THANE ,MAHARASHTRA PIN 400607, Thane, Maharashtra.
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 Godhbunder Road branch but serve different purposes.
Is IFSC UCBA0002296 valid for NEFT and RTGS?
Yes. IFSC UCBA0002296 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC UCBA0002296 the same for all accounts at Godhbunder Road branch?
Yes. The IFSC UCBA0002296 is shared by every account held at UCO Bank's Godhbunder Road branch. Only the account number changes from customer to customer.
Can I use IFSC UCBA0002296 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0002296 to send funds instantly.
Summary
The IFSC code UCBA0002296 belongs to UCO Bank's GODHBUNDER ROAD branch, located at SHOP NO.61 64, SWASTIK RESIDENCY, PH.II, BUILDING NO.A 8, NEAR SARASWATI… in THANE, MAHARASHTRA. 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.
