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

Use this page as a one-stop reference for everything related to Urban Co operative Bank Limited Bareilly's MILAK branch in RAMPUR, UTTAR PRADESH. The branch's IFSC code UCLB0000017 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.

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 – MILAK is UCLB0000017. The first four letters UCLB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000017 map to this branch in RAMPUR, UTTAR PRADESH.

Bank profile

Urban Co operative Bank Limited Bareilly is among the recognised banks listed on the Reserve Bank of India's payments network. The Milak branch — IFSC UCLB0000017 — extends the bank's services to customers in and around Rampur, Uttar Pradesh.

About the Milak branch

The Milak branch of Urban Co operative Bank Limited Bareilly is situated at SHOP NO 824-825,ASDULLAPUR,BILASPUR ROAD,MILAK,TEHSIL MILAK,RAMPUR,UTTAR PRADESH,PIN-244701. 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 UCLB0000017 is used.

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 MILAK of Urban Co operative Bank Limited Bareilly — its own 11-character IFSC. The code UCLB0000017 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 UCLB0000017 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 UCLB0000017 and the account number together uniquely identify the Milak branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC UCLB0000017

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 UCLB0000017 across all three.

How to use IFSC UCLB0000017 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 MILAK 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 UCLB0000017.
4. Confirm the bank name auto-populates as Urban Co operative Bank Limited Bareilly and the branch as MILAK.
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 MILAK

If you need to transfer ₹2 lakh or more in one go to an account at Urban Co operative Bank Limited Bareilly's MILAK branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCLB0000017 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 – MILAK, use IMPS. With IFSC UCLB0000017 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 UCLB0000017 for Urban Co operative Bank Limited Bareilly – MILAK, 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 Milak 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 MILAK branch, the IFSC UCLB0000017 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 Milak branch is mapped to IFSC UCLB0000017 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 UCLB0000017.

Banking services available

The Milak branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9897850942.

• 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 UCLB0000017

Online banking and IFSC UCLB0000017

Urban Co operative Bank Limited Bareilly customers can register for net banking and the bank's official mobile app once their account at the MILAK 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 UCLB0000017 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.

Reaching the branch

The Milak branch sits at SHOP NO 824-825,ASDULLAPUR,BILASPUR ROAD,MILAK,TEHSIL MILAK,RAMPUR,UTTAR PRADESH,PIN-244701. If you are travelling from outside Rampur, search for the branch on a maps application using the bank name and locality, or call 9897850942 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 UCLB0000017 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 – MILAK:

• The IFSC is exactly UCLB0000017 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 MILAK 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 Milak branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCLB0000017, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UCLB0000017 for Urban Co operative Bank Limited Bareilly – MILAK, 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 UCLB0000017 belongs to Urban Co operative Bank Limited Bareilly's MILAK branch, located at SHOP NO 824-825,ASDULLAPUR,BILASPUR ROAD,MILAK,TEHSIL MILAK,RAMPUR,UTTAR… in RAMPUR, 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.