IFSC Code of UCO Bank, Kudappanakunnu Branch, Kerala

Below are the complete branch details for UCO Bank, KUDAPPANAKUNNU branch, located in THIRUVANANTHAPURAM, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is UCBA0002905. 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 UCBA0002905 for UCO Bank – KUDAPPANAKUNNU — 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 KUDAPPANAKUNNU branch, the IFSC UCBA0002905 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 002905 identifies this particular branch.

Bank profile

UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kudappanakunnu branch — IFSC UCBA0002905 — extends the bank's services to customers in and around Thiruvananthapuram, Kerala.

About the Kudappanakunnu branch

The Kudappanakunnu branch of UCO Bank is situated at OPP. KUDAPPANAKUNNU VILLAGE OFFICE, T V STATION ROAD, PEROORKADA.P.O, THIRUVANANTHAPURAM ,THIRUVANANTHAPURAM ,KERALA PIN 695005. 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 UCBA0002905 is used.

Branch details at a glance

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 KUDAPPANAKUNNU branch came to be assigned the code UCBA0002905.

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 UCBA0002905, money simply cannot be routed to the KUDAPPANAKUNNU branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Kudappanakunnu branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0002905 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 UCBA0002905

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 UCBA0002905 across all three.

NEFT to UCO Bank, KUDAPPANAKUNNU using IFSC UCBA0002905

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 UCBA0002905, and confirm that the system picks up UCO Bank – KUDAPPANAKUNNU. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KUDAPPANAKUNNU

If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's KUDAPPANAKUNNU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0002905 while initiating the transfer and the credit will appear within minutes.

IMPS to UCO Bank KUDAPPANAKUNNU (IFSC UCBA0002905)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0002905 in your mobile or internet banking app, and the money is credited to the KUDAPPANAKUNNU branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UCBA0002905 for UCO Bank – KUDAPPANAKUNNU, 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.

For most retail customers crediting the Kudappanakunnu 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 UCBA0002905

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 – KUDAPPANAKUNNU is still mapped to IFSC UCBA0002905. 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 UCBA0002905 and the beneficiary's account number to complete the transfer.

Account types you can open at the Kudappanakunnu branch

Once you have an account at UCO Bank – KUDAPPANAKUNNU, the IFSC UCBA0002905 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 Kudappanakunnu branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9447012778.

• 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 UCBA0002905

Digital banking channels

Most day-to-day work that customers used to do at the Kudappanakunnu 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 UCBA0002905 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.

Reaching the branch

The Kudappanakunnu branch sits at OPP. KUDAPPANAKUNNU VILLAGE OFFICE, T V STATION ROAD, PEROORKADA.P.O, THIRUVANANTHAPURAM ,THIRUVANANTHAPURAM ,KERALA PIN 695005. If you are travelling from outside Thiruvananthapuram, search for the branch on a maps application using the bank name and locality, or call 91-9447012778 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 UCBA0002905 and your account number.

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 – KUDAPPANAKUNNU:

• The IFSC is exactly UCBA0002905 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 KUDAPPANAKUNNU 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.

Working hours

Branch counters at Kudappanakunnu 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 UCBA0002905 continue to work without interruption.

Verifying IFSC UCBA0002905 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 UCBA0002905 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9447012778.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: UCBA0002905 is the IFSC code of UCO Bank, KUDAPPANAKUNNU branch, in THIRUVANANTHAPURAM, KERALA. 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.