IFSC Code of Uttar Pradesh Cooperative Bank Limited, National Marcantile Coop Bank Ltd Branch, Uttar Pradesh

If you are searching for the IFSC code of Uttar Pradesh Cooperative Bank Limited, NATIONAL MARCANTILE COOP BANK LTD branch in LUCKNOW, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is UPCB00NMCBL. 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 NATIONAL MARCANTILE COOP BANK LTD branch, and detailed step-by-step guides for using the IFSC UPCB00NMCBL 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.

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, UPCB00NMCBL is the IFSC of Uttar Pradesh Cooperative Bank Limited's NATIONAL MARCANTILE COOP BANK LTD branch. The format is fixed: UPCB = bank code, 0 = reserved, 0NMCBL = branch identifier.

Branch details at a glance

About Uttar Pradesh Cooperative Bank Limited

Uttar Pradesh Cooperative Bank Limited operates a wide network of branches across India, including the National Marcantile Coop Bank Ltd branch in Lucknow. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UPCB00NMCBL.

National Marcantile Coop Bank Ltd branch overview

Located at 27/4A BN ROAD KAISARBAGH LUCKNOW, the National Marcantile Coop 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 UPCB00NMCBL is required for all interbank electronic transfers routed through this branch.

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 NATIONAL MARCANTILE COOP BANK LTD branch came to be assigned the code UPCB00NMCBL.

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 UPCB00NMCBL, money simply cannot be routed to the NATIONAL MARCANTILE COOP BANK LTD branch electronically.

How to transfer money using IFSC UPCB00NMCBL

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 UPCB00NMCBL across all three.

How to use IFSC UPCB00NMCBL 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 NATIONAL MARCANTILE COOP BANK LTD 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 UPCB00NMCBL.
4. Confirm the bank name auto-populates as Uttar Pradesh Cooperative Bank Limited and the branch as NATIONAL MARCANTILE COOP BANK LTD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UPCB00NMCBL

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 – NATIONAL MARCANTILE COOP BANK LTD, ensure your bank's portal accepts IFSC UPCB00NMCBL while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Uttar Pradesh Cooperative Bank Limited – NATIONAL MARCANTILE COOP BANK LTD, use IMPS. With IFSC UPCB00NMCBL 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 National Marcantile Coop 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 UPCB00NMCBL:

• 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 NATIONAL MARCANTILE COOP BANK LTD is still linked to IFSC UPCB00NMCBL.

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 UPCB00NMCBL

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 – NATIONAL MARCANTILE COOP BANK LTD is still mapped to IFSC UPCB00NMCBL. 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 UPCB00NMCBL and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the National Marcantile Coop Bank Ltd branch is mapped to IFSC UPCB00NMCBL 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 UPCB00NMCBL.

Products and services

Customers walking into the National Marcantile Coop 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 UPCB00NMCBL

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 UPCB00NMCBL and the account number together uniquely identify the National Marcantile Coop Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the National Marcantile Coop Bank Ltd branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC UPCB00NMCBL is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

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 – NATIONAL MARCANTILE COOP BANK LTD:

• The IFSC is exactly UPCB00NMCBL 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 NATIONAL MARCANTILE COOP BANK LTD 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.

Reaching the branch

The National Marcantile Coop Bank Ltd branch sits at 27/4A BN ROAD KAISARBAGH LUCKNOW. If you are travelling from outside Lucknow, search for the branch on a maps application using the bank name and locality, or call 9532898035 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 UPCB00NMCBL and your account number.

Verifying IFSC UPCB00NMCBL 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 UPCB00NMCBL by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9532898035.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at National Marcantile Coop 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 UPCB00NMCBL continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UPCB00NMCBL is the IFSC code of Uttar Pradesh Cooperative Bank Limited, NATIONAL MARCANTILE COOP BANK LTD branch, in LUCKNOW, 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.