IFSC Code of Urban Co operative Bank Limited Bareilly, Kichha Branch, Uttarakhand

Below are the complete branch details for Urban Co operative Bank Limited Bareilly, KICHHA branch, located in KICHHA, UTTARAKHAND. The IFSC assigned by the Reserve Bank of India to this branch is UCLB0000016. 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 UCLB0000016 for Urban Co operative Bank Limited Bareilly – KICHHA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, UCLB0000016 is the IFSC of Urban Co operative Bank Limited Bareilly's KICHHA branch. The format is fixed: UCLB = bank code, 0 = reserved, 000016 = branch identifier.

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 Kichha branch in Kichha, Uttarakhand is part of this network and uses the IFSC code UCLB0000016 for all electronic settlement.

Branch details at a glance

About the Kichha branch

The Kichha branch of Urban Co operative Bank Limited Bareilly is situated at WARD NO-2, RUDRAPUR ROAD,KICHHA, TEHSIL-KICHHA,DISTT-UDHAM SINGH NAGAR. 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 UCLB0000016 is used.

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 KICHHA branch came to be assigned the code UCLB0000016.

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 UCLB0000016, money simply cannot be routed to the KICHHA branch electronically.

Products and account variants supported

Every account opened at the Kichha branch is mapped to IFSC UCLB0000016 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 UCLB0000016.

Products and services

Customers walking into the Kichha 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 UCLB0000016

How to transfer money using IFSC UCLB0000016

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 UCLB0000016 across all three.

NEFT to Urban Co operative Bank Limited Bareilly, KICHHA using IFSC UCLB0000016

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 UCLB0000016, and confirm that the system picks up Urban Co operative Bank Limited Bareilly – KICHHA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UCLB0000016

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 – KICHHA, ensure your bank's portal accepts IFSC UCLB0000016 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Urban Co operative Bank Limited Bareilly – KICHHA, use IMPS. With IFSC UCLB0000016 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 Kichha

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 UCLB0000016:

• 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 KICHHA is still linked to IFSC UCLB0000016.

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 UCLB0000016

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 Urban Co operative Bank Limited Bareilly – KICHHA is still mapped to IFSC UCLB0000016. 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 UCLB0000016 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UCLB0000016

Urban Co operative Bank Limited Bareilly customers can register for net banking and the bank's official mobile app once their account at the KICHHA 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 UCLB0000016 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.

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 UCLB0000016 and the account number together uniquely identify the Kichha 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 Urban Co operative Bank Limited Bareilly – KICHHA:

• The IFSC is exactly UCLB0000016 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 KICHHA 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 Kichha branch

The branch is located at WARD NO-2, RUDRAPUR ROAD,KICHHA, TEHSIL-KICHHA,DISTT-UDHAM SINGH NAGAR, which puts it inside Kichha, the broader Udham Singh Nagar district, and the state of Uttarakhand. To plan your visit:

1. Open Google Maps on your phone and search for “Urban Co operative Bank Limited Bareilly Kichha branch” — the verified location pin for IFSC UCLB0000016 should appear at the top of the results.
2. Confirm the branch is open by calling 9084716943 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 UCLB0000016 and your account number.

Verifying IFSC UCLB0000016 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 UCLB0000016 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9084716943.
• Visiting the bank's official branch locator page.

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 Kichha branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCLB0000016, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: UCLB0000016 is the IFSC code of Urban Co operative Bank Limited Bareilly, KICHHA branch, in KICHHA, UTTARAKHAND. 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.