IFSC Code of Uttar Pradesh Cooperative Bank Limited, Auraiya Branch, Uttar Pradesh

If you are searching for the IFSC code of Uttar Pradesh Cooperative Bank Limited, AURAIYA branch in AURAIYA, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is UPCB0000043. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the AURAIYA branch, and detailed step-by-step guides for using the IFSC UPCB0000043 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 Uttar Pradesh Cooperative Bank Limited – AURAIYA is UPCB0000043. The first four letters UPCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000043 map to this branch in AURAIYA, UTTAR PRADESH.

About the bank

Uttar Pradesh Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Auraiya branch in Auraiya, Uttar Pradesh is part of this network and uses the IFSC code UPCB0000043 for all electronic settlement.

Branch details at a glance

Auraiya branch overview

Located at 78, IN FRONT OF ZILA UDYOG DOODHIYA KHEDA, DIBIYAPUR ROAD, AURAIYA, UTTAR PRADESH, 206122, the Auraiya branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UPCB0000043 is required for all interbank electronic transfers routed through this branch.

Why every Uttar Pradesh Cooperative Bank Limited 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 AURAIYA of Uttar Pradesh Cooperative Bank Limited — its own 11-character IFSC. The code UPCB0000043 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 UPCB0000043 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Auraiya branch

Once you have an account at Uttar Pradesh Cooperative Bank Limited – AURAIYA, the IFSC UPCB0000043 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.

Banking services available

The Auraiya branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 0.

• 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 UPCB0000043

How to transfer money using IFSC UPCB0000043

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 UPCB0000043 across all three.

How to use IFSC UPCB0000043 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Uttar Pradesh Cooperative Bank Limited's AURAIYA 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 UPCB0000043.
4. Confirm the bank name auto-populates as Uttar Pradesh Cooperative Bank Limited and the branch as AURAIYA.
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 AURAIYA

If you need to transfer ₹2 lakh or more in one go to an account at Uttar Pradesh Cooperative Bank Limited's AURAIYA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UPCB0000043 while initiating the transfer and the credit will appear within minutes.

IMPS to Uttar Pradesh Cooperative Bank Limited AURAIYA (IFSC UPCB0000043)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UPCB0000043 in your mobile or internet banking app, and the money is credited to the AURAIYA branch account within seconds.

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

All three modes accept the IFSC UPCB0000043 for Uttar Pradesh Cooperative Bank Limited – AURAIYA, 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 Auraiya 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 Uttar Pradesh Cooperative Bank Limited's AURAIYA branch, the IFSC UPCB0000043 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.

Online banking and IFSC UPCB0000043

Uttar Pradesh Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the AURAIYA 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 UPCB0000043 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 Uttar Pradesh Cooperative Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC UPCB0000043 and the account number together uniquely identify the Auraiya 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 Uttar Pradesh Cooperative Bank Limited – AURAIYA:

• The IFSC is exactly UPCB0000043 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Uttar Pradesh Cooperative Bank Limited as the bank name and AURAIYA 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 Auraiya branch

The branch is located at 78, IN FRONT OF ZILA UDYOG DOODHIYA KHEDA, DIBIYAPUR ROAD, AURAIYA, UTTAR PRADESH, 206122, which puts it inside Auraiya, the broader Auraiya district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Uttar Pradesh Cooperative Bank Limited Auraiya branch” — the verified location pin for IFSC UPCB0000043 should appear at the top of the results.
2. Confirm the branch is open by calling 0 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 UPCB0000043 and your account number.

Verifying IFSC UPCB0000043 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 UPCB0000043 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 0.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Auraiya are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to UPCB0000043 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UPCB0000043 is the IFSC code of Uttar Pradesh Cooperative Bank Limited, AURAIYA branch, in AURAIYA, 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.