IFSC Code of Uttar Pradesh Cooperative Bank Limited, Nirala-Nagar Branch, Uttar Pradesh

If you are searching for the IFSC code of Uttar Pradesh Cooperative Bank Limited, NIRALA-NAGAR branch in LUCKNOW, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is UPCB0000009. 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 NIRALA-NAGAR branch, and detailed step-by-step guides for using the IFSC UPCB0000009 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.

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 NIRALA-NAGAR branch, the IFSC UPCB0000009 breaks down as follows: UPCB identifies the bank, 0 is the reserved character, and 000009 identifies this particular branch.

About Uttar Pradesh Cooperative Bank Limited

Uttar Pradesh Cooperative Bank Limited operates a wide network of branches across India, including the Nirala-Nagar 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, UPCB0000009.

About this branch

The branch is located at FIRST FLOOR SINHA MARKET,NIRALA NAGAR,. It serves the Lucknow region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Uttar Pradesh Cooperative Bank Limited. The IFSC UPCB0000009 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 NIRALA-NAGAR branch came to be assigned the code UPCB0000009.

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 UPCB0000009, money simply cannot be routed to the NIRALA-NAGAR branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Nirala-Nagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UPCB0000009 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC UPCB0000009

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 UPCB0000009 across all three.

NEFT to Uttar Pradesh Cooperative Bank Limited, NIRALA-NAGAR using IFSC UPCB0000009

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 UPCB0000009, and confirm that the system picks up Uttar Pradesh Cooperative Bank Limited – NIRALA-NAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to NIRALA-NAGAR

If you need to transfer ₹2 lakh or more in one go to an account at Uttar Pradesh Cooperative Bank Limited's NIRALA-NAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UPCB0000009 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Uttar Pradesh Cooperative Bank Limited – NIRALA-NAGAR, use IMPS. With IFSC UPCB0000009 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 UPCB0000009 for Uttar Pradesh Cooperative Bank Limited – NIRALA-NAGAR, 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 Nirala-Nagar 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 NIRALA-NAGAR branch, the IFSC UPCB0000009 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 Nirala-Nagar branch is mapped to IFSC UPCB0000009 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 UPCB0000009.

Products and services

Customers walking into the Nirala-Nagar 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 UPCB0000009

Digital banking channels

Most day-to-day work that customers used to do at the Nirala-Nagar 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 UPCB0000009 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.

How to reach the Nirala-Nagar branch

The branch is located at FIRST FLOOR SINHA MARKET,NIRALA NAGAR,, which puts it inside Lucknow, the broader Lucknow 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 Nirala-Nagar branch” — the verified location pin for IFSC UPCB0000009 should appear at the top of the results.
2. Confirm the branch is open by calling 522-2787158 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 UPCB0000009 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 Uttar Pradesh Cooperative Bank Limited – NIRALA-NAGAR:

• The IFSC is exactly UPCB0000009 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 NIRALA-NAGAR 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 Nirala-Nagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UPCB0000009, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UPCB0000009 for Uttar Pradesh Cooperative Bank Limited – NIRALA-NAGAR, 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 UPCB0000009 belongs to Uttar Pradesh Cooperative Bank Limited's NIRALA-NAGAR branch, located at FIRST FLOOR SINHA MARKET,NIRALA NAGAR, in LUCKNOW, 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.