IFSC Code of Uttar Pradesh Cooperative Bank Limited, Banda District Co-Operative Bank Ltd Branch, Uttar Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Uttar Pradesh Cooperative Bank Limited, BANDA DISTRICT CO-OPERATIVE BANK LTD branch in BANDA. The 11-digit IFSC UPCB00BDCBL 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 Uttar Pradesh Cooperative Bank Limited at the BANDA DISTRICT CO-OPERATIVE BANK LTD 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.

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, UPCB00BDCBL is the IFSC of Uttar Pradesh Cooperative Bank Limited's BANDA DISTRICT CO-OPERATIVE BANK LTD branch. The format is fixed: UPCB = bank code, 0 = reserved, 0BDCBL = branch identifier.

Branch details at a glance

Bank profile

Uttar Pradesh Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Banda District Co-Operative Bank Ltd branch — IFSC UPCB00BDCBL — extends the bank's services to customers in and around Banda, Uttar Pradesh.

Banda District Co-Operative Bank Ltd branch overview

Located at H.O. SAHAKARI BHAVAN, HEAD POST OFFICE, CIVIL LINES, DISTRICT BANDA BANDA 210 001,UTTAR PRADESH, the Banda District Co-Operative Bank Ltd branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UPCB00BDCBL 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 BANDA DISTRICT CO-OPERATIVE BANK LTD of Uttar Pradesh Cooperative Bank Limited — its own 11-character IFSC. The code UPCB00BDCBL 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 UPCB00BDCBL the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC UPCB00BDCBL

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 UPCB00BDCBL across all three.

NEFT to Uttar Pradesh Cooperative Bank Limited, BANDA DISTRICT CO-OPERATIVE BANK LTD using IFSC UPCB00BDCBL

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 UPCB00BDCBL, and confirm that the system picks up Uttar Pradesh Cooperative Bank Limited – BANDA DISTRICT CO-OPERATIVE BANK LTD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UPCB00BDCBL

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 Uttar Pradesh Cooperative Bank Limited – BANDA DISTRICT CO-OPERATIVE BANK LTD, ensure your bank's portal accepts IFSC UPCB00BDCBL while registering the beneficiary. RTGS is also available 24x7.

IMPS to Uttar Pradesh Cooperative Bank Limited BANDA DISTRICT CO-OPERATIVE BANK LTD (IFSC UPCB00BDCBL)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UPCB00BDCBL in your mobile or internet banking app, and the money is credited to the BANDA DISTRICT CO-OPERATIVE BANK LTD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Banda District Co-Operative Bank Ltd

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 UPCB00BDCBL:

• 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 BANDA DISTRICT CO-OPERATIVE BANK LTD is still linked to IFSC UPCB00BDCBL.

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 UPCB00BDCBL

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 Uttar Pradesh Cooperative Bank Limited – BANDA DISTRICT CO-OPERATIVE BANK LTD is still mapped to IFSC UPCB00BDCBL. 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 UPCB00BDCBL and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Banda District Co-Operative Bank Ltd branch is mapped to IFSC UPCB00BDCBL on the RBI payments network. The branch generally supports the full retail product catalogue of Uttar Pradesh Cooperative Bank Limited, 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 UPCB00BDCBL.

Products and services

Customers walking into the Banda District Co-Operative Bank Ltd branch can access most of Uttar Pradesh Cooperative Bank Limited'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 UPCB00BDCBL

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 UPCB00BDCBL and the account number together uniquely identify the Banda District Co-Operative Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC UPCB00BDCBL

Uttar Pradesh Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BANDA DISTRICT CO-OPERATIVE BANK LTD 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 UPCB00BDCBL 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.

Common mistakes to avoid when using IFSC UPCB00BDCBL

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Uttar Pradesh Cooperative Bank Limited – BANDA DISTRICT CO-OPERATIVE BANK LTD, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: UPCB00BDCBL.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

How to reach the Banda District Co-Operative Bank Ltd branch

The branch is located at H.O. SAHAKARI BHAVAN, HEAD POST OFFICE, CIVIL LINES, DISTRICT BANDA BANDA 210 001,UTTAR PRADESH, which puts it inside Banda, the broader Banda 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 Banda District Co-Operative Bank Ltd branch” — the verified location pin for IFSC UPCB00BDCBL 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 UPCB00BDCBL and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UPCB00BDCBL for Uttar Pradesh Cooperative Bank Limited – BANDA DISTRICT CO-OPERATIVE BANK LTD, 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.

Working hours

Branch counters at Banda District Co-Operative Bank Ltd 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 UPCB00BDCBL continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UPCB00BDCBL belongs to Uttar Pradesh Cooperative Bank Limited's BANDA DISTRICT CO-OPERATIVE BANK LTD branch, located at H.O. SAHAKARI BHAVAN, HEAD POST OFFICE, CIVIL LINES, DISTRICT BANDA BANDA 210… in BANDA, 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.