IFSC Code of UCO Bank, Thrikkakara Branch, Kerala

If you are searching for the IFSC code of UCO Bank, THRIKKAKARA branch in THRIKKAKARA, KERALA, this page has every detail you need. The verified IFSC code for this branch is UCBA0002154. 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 THRIKKAKARA branch, and detailed step-by-step guides for using the IFSC UCBA0002154 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.

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 THRIKKAKARA branch, the IFSC UCBA0002154 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 002154 identifies this particular branch.

Bank profile

UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Thrikkakara branch — IFSC UCBA0002154 — extends the bank's services to customers in and around Thrikkakara, Kerala.

Branch details at a glance

Thrikkakara branch overview

Located at PUNNAPARAMBIL BUILDING, WONDERLA ROAD ,ERNAKULAM ,KERALA PIN 682030, the Thrikkakara branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0002154 is required for all interbank electronic transfers routed through this branch.

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 THRIKKAKARA branch came to be assigned the code UCBA0002154.

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 UCBA0002154, money simply cannot be routed to the THRIKKAKARA branch electronically.

Products and account variants supported

Every account opened at the Thrikkakara branch is mapped to IFSC UCBA0002154 on the RBI payments network. The branch generally supports the full retail product catalogue of UCO Bank, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains UCBA0002154.

Products and services

Customers walking into the Thrikkakara 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 UCBA0002154

How to transfer money using IFSC UCBA0002154

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 UCBA0002154 across all three.

NEFT to UCO Bank, THRIKKAKARA using IFSC UCBA0002154

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 UCBA0002154, and confirm that the system picks up UCO Bank – THRIKKAKARA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to THRIKKAKARA

If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's THRIKKAKARA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0002154 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 – THRIKKAKARA, use IMPS. With IFSC UCBA0002154 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 Thrikkakara

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 UCBA0002154:

• 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 THRIKKAKARA is still linked to IFSC UCBA0002154.

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.

UPI payments and IFSC UCBA0002154

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 – THRIKKAKARA is still mapped to IFSC UCBA0002154. 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 UCBA0002154 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Thrikkakara 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 UCBA0002154 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.

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 UCBA0002154 and the account number together uniquely identify the Thrikkakara branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – THRIKKAKARA:

• The IFSC is exactly UCBA0002154 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 THRIKKAKARA 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 Thrikkakara branch

The branch is located at PUNNAPARAMBIL BUILDING, WONDERLA ROAD ,ERNAKULAM ,KERALA PIN 682030, which puts it inside Thrikkakara, the broader Ernakulam district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “UCO Bank Thrikkakara branch” — the verified location pin for IFSC UCBA0002154 should appear at the top of the results.
2. Confirm the branch is open by calling 484-2425250 before stepping out, especially around public holidays.
3. 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 UCBA0002154 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UCBA0002154 for UCO Bank – THRIKKAKARA, 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 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 Thrikkakara branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0002154, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UCBA0002154 belongs to UCO Bank's THRIKKAKARA branch, located at PUNNAPARAMBIL BUILDING, WONDERLA ROAD ,ERNAKULAM ,KERALA PIN 682030 in THRIKKAKARA, KERALA. 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.