Interested in financial products


Established in 1943, UCO Bank is a commercial bank under the control of the Government of India. They have more than 3000 service units distributed across India. UCO Bank provides its clients a wide range of financial products services. Netbanking is an important part of every banks operations. And the transfer of funds is the most commonly used function on any Netbanking account.

In order to carry out fund transfer to an UCO Bank account, you will need the IFSC Code of the branch where the account is held. An IFSC Code ensures that the amount you transfer is credited to the right account in the right branch. The UCO Bank official website has a list of all the branches and their corresponding IFSC Code to enable error-free fund transfers.

How to find the IFSC code of UCO Bank Branch on CreditMantri?

CreditMantri is a repository of information! It can be considered a one-stop solution for all your banking and financial needs. The CreditMantri platform makes it easy for you to search the IFSC Code of any banking branch in India. Follow these steps to find the following IFSC Codes:

  • Login to the CreditMantri website
  • Tap the Community button in the top menu bar and select Resources.
  • Choose IFSC and MICR Codes Directory from this collection.
  • It lists all banks with their own names and logos. You can pick UCO Bank from this page.
  • You can also use the search bar at the top to locate your bank easily. In one shot, you can choose the name of the bank, state, district and branch to get the information.
  • It gives you all the relevant details about the bank for your convenience.

What is an IFSC code?

The Indian Reserve Bank shall issue the IFSC to all banks and branches. The IFSC is an important factor when transferring money from your bank account to another bank account. You may use NEFT, IMPS or RTGS to transfer your money to another branch. For all three of these systems, the IFSC code of the recipient bank account is used to transfer the money to the correct branch account balance.

The IFSC Code has become more relevant with the introduction of Internet banking into the Indian banking system. In the past, the MICR code was used to identify the relevant banking branch where the balance had to be deposited, recorded on the check or on the transaction. In the modern banking industry, the IFSC code is standard for quick cash transactions, with Internet money transfers gaining prominence.

Here are some other advantages of using IFSC Code for banking: 

  • It helps move funds to the right account in the right branch. The IFSC code is unique to every bank and branch.
  • Allows quicker and easier transfer of money between bank accounts
  • Removes the risk of fraud when using the IFSC Code
  • The IFSC Code enables a direct transfer between the sender and the receiver. When an internet transaction is initiated, notification or e-mail from both parties is received from the banks concerned, whether it is a credit or debit transaction.
  • Makes it easier for banks to verify the settlement process.
  • Promotes paperless cash transactions. You will now benefit from an electronic, paperless bank transfer with the assistance of the IFSC. It seeks to make banking environmentally sustainable. Business transactions, based on IFSC codes, have become simple, easy and paperless.

How to find the IFSC Code of UCO Bank branches?

It is very easy to locate the IFSC Code of a particular branch of UCO Bank.

On the UCO Bank Website

  • Visit the home page of UCO Bank. 
  • On the left hand side, you will see the quick access menu. 
  • Click on the option that says ‘Locator’ and then choose ‘Branch’. 
  • On the next page, you can select search criteria like the state, district/city, branch name and locality.
  • The search will pull up all the matching records for your search criteria. 
  • Click on the branch you are searching for. 
  • The displayed result will include all important information regarding the branch, like the address, contact information, IFSC Code, email address, etc.

On your UCO Bank Cheque Book & Pass Book

The next handy option to find the IFSC Code of your bank branch is on your Cheque Book & Pass Book. Your checkbook and passbook will give you a lot of valuable knowledge about your bank branch. Your branch name, branch address, phone number and IFSC code are some of the things youll find there. They will, though, only have the IFSC code of your bank branch, not the other branches. If you need the IFSC Code for other branches, please follow one of the following methods.

On the official website of RBI

The primary RBI website has a section devoted to the identification of the IFSC Code for all banks. Login to the official website of the RBI. Scroll down to the bottom of the page to find More Links. Choose IFSC / MICR Codes in this list. Here, you can select the name of the bank in the drop-down list and enter the name of your branch to find the IFSC code.

On the Internet

You can quickly search the Internet for the ‘UCO Bank IFSC Code and there are a dozen websites that will provide you with the information.

Can I transfer money without IFSC code?

The answer is both yes and no. In order to transfer money via Netbanking, IFSC code is needed. Netbanking allows you to transfer money via NEFT, IMPS & RTGS. However, in recent years, UPI money transfers or e-wallet money transfers have gained popularity. These methods only consider the mobile number linked to yours and the recipient’s bank account, and hence does not require the IFSC for a bank to bank money transfer.

What is the difference between IFSC & MICR Code?

Both IFSC and MICR are used for bank financial transactions. However, there is a difference between the usage of these two terms, and many people are also confused about the meaning and importance of these terms. While MICR is used for cheque transactions, IFSC is primarily online fund transfers.

MICR Code: MICR Code, which stands for Magnetic Ink Character Recognition, can be seen on all cheque leaves at the bottom white line known as the MICR Band. This code can also be used for transfers abroad. This is used to enhance transaction security.

IFSC Code: IFSC code is the Indian Finance Scheme code, specifically recognises all NEFT active bank branches. This coding is used for electronic payment system implementations such as RTGS (Real Time Gross Settlement), NEFT (National Electronic Fund Transfer), CFMS (Centralized Funds Management Systems). In order to transfer money, one has to know the IFSC code so that the recipient gets the funds directly into his account. There is no physical dispatch of checks between the clearing house and the banks involved. This special coding scheme is used for instant money transfer over the Internet.

So, essentially, the difference is that the IFSC Code is used when remitting money using NEFT, IMPS and RTGS, and the MICR code is only used for cheque leaves. This is largely due to the fund transfer process, while the IFSC Code is largely used for the NEFT, IMPS and RTGS programmes, the same is also seen on the check leaves for convenience. It must be noted, however, that both are remarkably different from each other.


1. Which is safer? IFSC or MICR?

Both of them are safe in their own accord. IFSC is used for online transfers and MICR is used for cheque remittances. Both of them follow high security standards for a safe fund transfer.

2. What is the key difference between NEFT, IMPS & RTGS?

The key difference between these 3 payments systems is the transfer amount limit and the timings during which you can transfer the money.

3. What is the information required to do a bank to bank money transfer?

In order to transfer money to another bank account, you need the beneficiary account number, account name, account type, and the respective branch IFSC Code.

4. What will happen if I enter an incorrect IFSC while transferring money?

The chances of making an error with the IFSC code are less as the page will display the branch details once you enter the IFSC Code, while adding the payee. In spite of that, if you have entered an incorrect IFSC Code, the transfer will match the account number of the recipient and send the money to that account. The chances of a bank having the same account number in two different branches is slim and hence the money will land in the correct account eventually. However, it is imperative that you double check the IFSC Code before initiating the transfer.

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