IFSC Code of Urban Co operative Bank Limited Bareilly, Meerganj Branch, Uttar Pradesh

Below are the complete branch details for Urban Co operative Bank Limited Bareilly, MEERGANJ branch, located in BAREILLY, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is UCLB0000009. 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 UCLB0000009 for Urban Co operative Bank Limited Bareilly – MEERGANJ — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 Urban Co operative Bank Limited Bareilly – MEERGANJ is UCLB0000009. The first four letters UCLB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000009 map to this branch in BAREILLY, UTTAR PRADESH.

About the bank

Urban Co operative Bank Limited Bareilly serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Meerganj branch in Bareilly, Uttar Pradesh is part of this network and uses the IFSC code UCLB0000009 for all electronic settlement.

Meerganj branch overview

Located at 66 GURU NANAK MARKET MOH MAWAT TEHSIL CHAURAHA THANA ROAD MEERGANJ BAREILLY, the Meerganj branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCLB0000009 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

Why every Urban Co operative Bank Limited Bareilly 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 MEERGANJ of Urban Co operative Bank Limited Bareilly — its own 11-character IFSC. The code UCLB0000009 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 UCLB0000009 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Urban Co operative Bank Limited Bareilly carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC UCLB0000009 and the account number together uniquely identify the Meerganj branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC UCLB0000009

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 UCLB0000009 across all three.

How to use IFSC UCLB0000009 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Urban Co operative Bank Limited Bareilly's MEERGANJ 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UCLB0000009.
4. Confirm the bank name auto-populates as Urban Co operative Bank Limited Bareilly and the branch as MEERGANJ.
5. 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 MEERGANJ

If you need to transfer ₹2 lakh or more in one go to an account at Urban Co operative Bank Limited Bareilly's MEERGANJ branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCLB0000009 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Urban Co operative Bank Limited Bareilly – MEERGANJ, use IMPS. With IFSC UCLB0000009 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 UCLB0000009 for Urban Co operative Bank Limited Bareilly – MEERGANJ, 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 Meerganj 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 Urban Co operative Bank Limited Bareilly's MEERGANJ branch, the IFSC UCLB0000009 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.

Products and account variants supported

Every account opened at the Meerganj branch is mapped to IFSC UCLB0000009 on the RBI payments network. The branch generally supports the full retail product catalogue of Urban Co operative Bank Limited Bareilly, 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 UCLB0000009.

Banking services available

The Meerganj branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9997101622.

• 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 UCLB0000009

Digital banking channels

Most day-to-day work that customers used to do at the Meerganj 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 UCLB0000009 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.

How to reach the Meerganj branch

The branch is located at 66 GURU NANAK MARKET MOH MAWAT TEHSIL CHAURAHA THANA ROAD MEERGANJ BAREILLY, which puts it inside Bareilly, the broader Bareilly district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Urban Co operative Bank Limited Bareilly Meerganj branch” — the verified location pin for IFSC UCLB0000009 should appear at the top of the results.
2. Confirm the branch is open by calling 9997101622 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 UCLB0000009 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 Urban Co operative Bank Limited Bareilly – MEERGANJ:

• The IFSC is exactly UCLB0000009 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Urban Co operative Bank Limited Bareilly as the bank name and MEERGANJ 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.

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 Meerganj branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCLB0000009, however, work 24x7.

Verifying IFSC UCLB0000009 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 UCLB0000009 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9997101622.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: UCLB0000009 is the IFSC code of Urban Co operative Bank Limited Bareilly, MEERGANJ branch, in BAREILLY, UTTAR PRADESH. 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.