IFSC Code of Urban Co operative Bank Limited Bareilly, Mini Bypass Road Karamchari Nagar Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Urban Co operative Bank Limited Bareilly's MINI BYPASS ROAD KARAMCHARI NAGAR branch in BAREILLY, UTTAR PRADESH. The branch's IFSC code UCLB0000012 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 Urban Co operative Bank Limited Bareilly's MINI BYPASS ROAD KARAMCHARI NAGAR branch, the IFSC UCLB0000012 breaks down as follows: UCLB identifies the bank, 0 is the reserved character, and 000012 identifies this particular branch.

About Urban Co operative Bank Limited Bareilly

Urban Co operative Bank Limited Bareilly operates a wide network of branches across India, including the Mini Bypass Road Karamchari Nagar branch in Bareilly. 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, UCLB0000012.

About this branch

The branch is located at BUILDING NO 11,SAIDPUR HAKINS,KARAMCHARI NAGAR,MINI BYPASS,DISTRICT BAREILLY. It serves the Bareilly region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Urban Co operative Bank Limited Bareilly. The IFSC UCLB0000012 is used to identify this branch on the RBI payments network.

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 Urban Co operative Bank Limited Bareilly's MINI BYPASS ROAD KARAMCHARI NAGAR branch came to be assigned the code UCLB0000012.

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 UCLB0000012, money simply cannot be routed to the MINI BYPASS ROAD KARAMCHARI NAGAR branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Mini Bypass Road Karamchari Nagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCLB0000012 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 UCLB0000012

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 UCLB0000012 across all three.

How to use IFSC UCLB0000012 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 MINI BYPASS ROAD KARAMCHARI NAGAR 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 UCLB0000012.
4. Confirm the bank name auto-populates as Urban Co operative Bank Limited Bareilly and the branch as MINI BYPASS ROAD KARAMCHARI NAGAR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UCLB0000012

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Urban Co operative Bank Limited Bareilly – MINI BYPASS ROAD KARAMCHARI NAGAR, ensure your bank's portal accepts IFSC UCLB0000012 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Urban Co operative Bank Limited Bareilly MINI BYPASS ROAD KARAMCHARI NAGAR (IFSC UCLB0000012)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCLB0000012 in your mobile or internet banking app, and the money is credited to the MINI BYPASS ROAD KARAMCHARI NAGAR branch account within seconds.

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

All three modes accept the IFSC UCLB0000012 for Urban Co operative Bank Limited Bareilly – MINI BYPASS ROAD KARAMCHARI NAGAR, 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 Mini Bypass Road Karamchari Nagar 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 MINI BYPASS ROAD KARAMCHARI NAGAR branch, the IFSC UCLB0000012 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 Mini Bypass Road Karamchari Nagar branch

Once you have an account at Urban Co operative Bank Limited Bareilly – MINI BYPASS ROAD KARAMCHARI NAGAR, the IFSC UCLB0000012 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 Mini Bypass Road Karamchari Nagar branch can access most of Urban Co operative Bank Limited Bareilly'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 UCLB0000012

Digital banking channels

Most day-to-day work that customers used to do at the Mini Bypass Road Karamchari Nagar 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 UCLB0000012 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 Mini Bypass Road Karamchari Nagar branch sits at BUILDING NO 11,SAIDPUR HAKINS,KARAMCHARI NAGAR,MINI BYPASS,DISTRICT BAREILLY. If you are travelling from outside Bareilly, search for the branch on a maps application using the bank name and locality, or call 9997101968 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 UCLB0000012 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 – MINI BYPASS ROAD KARAMCHARI NAGAR:

• The IFSC is exactly UCLB0000012 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 MINI BYPASS ROAD KARAMCHARI NAGAR 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 Mini Bypass Road Karamchari Nagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCLB0000012, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UCLB0000012 for Urban Co operative Bank Limited Bareilly – MINI BYPASS ROAD KARAMCHARI NAGAR, 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

Frequently asked questions

Final notes

To recap: UCLB0000012 is the IFSC code of Urban Co operative Bank Limited Bareilly, MINI BYPASS ROAD KARAMCHARI NAGAR 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.