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

Below are the complete branch details for Uttar Pradesh Cooperative Bank Limited, BAREILLY BRANCH branch, located in BAREILLY, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is UPCB0000021. 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 UPCB0000021 for Uttar Pradesh Cooperative Bank Limited – BAREILLY BRANCH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Uttar Pradesh Cooperative Bank Limited's BAREILLY BRANCH branch, the IFSC UPCB0000021 breaks down as follows: UPCB identifies the bank, 0 is the reserved character, and 000021 identifies this particular branch.

Bank profile

Uttar Pradesh Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Bareilly Branch branch — IFSC UPCB0000021 — extends the bank's services to customers in and around Bareilly, Uttar Pradesh.

Branch details at a glance

About the Bareilly Branch branch

The Bareilly Branch branch of Uttar Pradesh Cooperative Bank Limited is situated at 95 A CIVIL LINE BAREILLY. 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 UPCB0000021 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 Uttar Pradesh Cooperative Bank Limited's BAREILLY BRANCH branch came to be assigned the code UPCB0000021.

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 UPCB0000021, money simply cannot be routed to the BAREILLY BRANCH branch electronically.

Account types you can open at the Bareilly Branch branch

Once you have an account at Uttar Pradesh Cooperative Bank Limited – BAREILLY BRANCH, the IFSC UPCB0000021 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.

Products and services

Customers walking into the Bareilly Branch 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 UPCB0000021

How to transfer money using IFSC UPCB0000021

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 UPCB0000021 across all three.

How to use IFSC UPCB0000021 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 BAREILLY BRANCH 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 UPCB0000021.
4. Confirm the bank name auto-populates as Uttar Pradesh Cooperative Bank Limited and the branch as BAREILLY BRANCH.
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 BAREILLY BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at Uttar Pradesh Cooperative Bank Limited's BAREILLY BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UPCB0000021 while initiating the transfer and the credit will appear within minutes.

IMPS to Uttar Pradesh Cooperative Bank Limited BAREILLY BRANCH (IFSC UPCB0000021)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UPCB0000021 in your mobile or internet banking app, and the money is credited to the BAREILLY BRANCH branch account within seconds.

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

All three modes accept the IFSC UPCB0000021 for Uttar Pradesh Cooperative Bank Limited – BAREILLY BRANCH, 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 Bareilly Branch 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.

UPI payments and IFSC UPCB0000021

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 – BAREILLY BRANCH is still mapped to IFSC UPCB0000021. 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 UPCB0000021 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UPCB0000021

Uttar Pradesh Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BAREILLY BRANCH 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 UPCB0000021 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 & cheque-truncation details

Cheques drawn on the Bareilly Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UPCB0000021 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – BAREILLY BRANCH:

• The IFSC is exactly UPCB0000021 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 BAREILLY BRANCH 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 Bareilly Branch branch

The branch is located at 95 A CIVIL LINE BAREILLY, 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 “Uttar Pradesh Cooperative Bank Limited Bareilly Branch branch” — the verified location pin for IFSC UPCB0000021 should appear at the top of the results.
2. Confirm the branch is open by calling 581-2573482 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 UPCB0000021 and your account number.

Verifying IFSC UPCB0000021 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 UPCB0000021 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 581-2573482.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Bareilly Branch 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 UPCB0000021 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UPCB0000021 belongs to Uttar Pradesh Cooperative Bank Limited's BAREILLY BRANCH branch, located at 95 A CIVIL LINE BAREILLY 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.