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

This page lists the IFSC code, branch address, contact number and fund-transfer information for Urban Co operative Bank Limited Bareilly, PREMNAGAR branch in BAREILLY. The 11-digit IFSC UCLB0000002 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 Urban Co operative Bank Limited Bareilly at the PREMNAGAR 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.

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 – PREMNAGAR is UCLB0000002. The first four letters UCLB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000002 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 Premnagar branch in Bareilly, Uttar Pradesh is part of this network and uses the IFSC code UCLB0000002 for all electronic settlement.

Premnagar branch overview

Located at MACNAIR ROAD, NEAR THANA PREM NAGAR, BAREILLY PINCODE-243005, the Premnagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCLB0000002 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 PREMNAGAR of Urban Co operative Bank Limited Bareilly — its own 11-character IFSC. The code UCLB0000002 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 UCLB0000002 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 UCLB0000002 and the account number together uniquely identify the Premnagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC UCLB0000002

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 UCLB0000002 across all three.

NEFT to Urban Co operative Bank Limited Bareilly, PREMNAGAR using IFSC UCLB0000002

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 UCLB0000002, and confirm that the system picks up Urban Co operative Bank Limited Bareilly – PREMNAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to PREMNAGAR

If you need to transfer ₹2 lakh or more in one go to an account at Urban Co operative Bank Limited Bareilly's PREMNAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCLB0000002 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 – PREMNAGAR, use IMPS. With IFSC UCLB0000002 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 Premnagar

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 UCLB0000002:

• 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 PREMNAGAR is still linked to IFSC UCLB0000002.

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 Urban Co operative Bank Limited Bareilly's PREMNAGAR branch, the IFSC UCLB0000002 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 Premnagar branch is mapped to IFSC UCLB0000002 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 UCLB0000002.

Banking services available

The Premnagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9897866227.

• 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 UCLB0000002

Online banking and IFSC UCLB0000002

Urban Co operative Bank Limited Bareilly customers can register for net banking and the bank's official mobile app once their account at the PREMNAGAR 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 UCLB0000002 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 Premnagar branch

The branch is located at MACNAIR ROAD, NEAR THANA PREM NAGAR, BAREILLY PINCODE-243005, 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 Premnagar branch” — the verified location pin for IFSC UCLB0000002 should appear at the top of the results.
2. Confirm the branch is open by calling 9897866227 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 UCLB0000002 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 – PREMNAGAR:

• The IFSC is exactly UCLB0000002 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 PREMNAGAR 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 Premnagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCLB0000002, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UCLB0000002 for Urban Co operative Bank Limited Bareilly – PREMNAGAR, 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

Summary

The IFSC code UCLB0000002 belongs to Urban Co operative Bank Limited Bareilly's PREMNAGAR branch, located at MACNAIR ROAD, NEAR THANA PREM NAGAR, BAREILLY PINCODE-243005 in BAREILLY, UTTAR PRADESH. 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.