IFSC Code UCBA0000431 - Uco Bank Ernakulam Main
KAVERI BUILDINGS CLOTH BAZAR ROAD NEAR PENTAMENAKA BROADWAY ERNAKULAM KERALA PIN 682031
Quick Info
IFSC: UCBA0000431
Pincode: 682031
District: Ernakulam
Status: Active
About Uco Bank Ernakulam Main
IFSC Code UCBA0000431 belongs to Uco Bank Ernakulam Main branch located in Ernakulam, Ernakulam, Kerala. This branch serves customers in Ernakulam, Ernakulam, Kerala and surrounding areas.
Understanding IFSC Code UCBA0000431
The IFSC (Indian Financial System Code) UCBA0000431 is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to uniquely identify this specific bank branch. The code structure follows a specific format:
- First 4 characters (UCBA): Bank code identifying Uco Bank
- 5th character (0): Reserved for future use (always 0)
- Last 6 characters (000431): Unique branch identifier for Ernakulam Main
Electronic Fund Transfer Services
IFSC Code UCBA0000431 is essential for all electronic fund transfers in India. This code ensures that money transfers are routed to the correct bank branch. The following payment systems use IFSC codes:
NEFT (National Electronic Funds Transfer)
Batch processing system for fund transfers. Available Yes at this branch.
Processing: Multiple batches daily, typically settles within 2 hours during banking hours.
RTGS (Real Time Gross Settlement)
Real-time fund transfer for high-value transactions (minimum ₹2 lakh). Available Yes at this branch.
Processing: Real-time settlement, typically within minutes during RTGS hours.
IMPS (Immediate Payment Service)
24/7 instant fund transfer service via mobile or internet banking. Available Yes at this branch.
Processing: Instant transfer, available 24/7 including holidays.
UPI (Unified Payments Interface)
Instant mobile payment system using UPI ID or QR code. Available Yes at this branch.
Processing: Instant transfer, available 24/7, no IFSC code needed for UPI transactions.
Branch Location and Accessibility
The Uco Bank Ernakulam Main branch is located at KAVERI BUILDINGS CLOTH BAZAR ROAD NEAR PENTAMENAKA BROADWAY ERNAKULAM KERALA PIN 682031 (Pincode: 682031) in Ernakulam, Ernakulam, Kerala. This location serves customers in Ernakulam, Ernakulam, Kerala and nearby areas. When initiating any electronic fund transfer to an account held at this branch, you must use IFSC Code UCBA0000431 to ensure the transaction is routed correctly.
How to Use IFSC Code UCBA0000431
When making online fund transfers to an account at this branch, you will need:
- IFSC Code: UCBA0000431 (for NEFT, RTGS, IMPS)
- Account Number: The recipient's account number
- Account Holder Name: As registered with the bank
Finding Other Uco Bank Branches
If you're looking for other Uco Bank branches in Ernakulam, Ernakulam, Kerala or nearby areas, use our Uco Bank branch finder. You can search by city, district, or state to find all Uco Bank branches with their respective IFSC codes.
Branch Details
| IFSC Code: | UCBA0000431 |
| Bank Name: | Uco Bank |
| Branch Name: | Ernakulam Main |
| Address: | KAVERI BUILDINGS CLOTH BAZAR ROAD NEAR PENTAMENAKA BROADWAY ERNAKULAM KERALA PIN 682031 |
| City: | Ernakulam |
| District: | Ernakulam |
| State: | Kerala |
| Pincode: | 682031 |
Payment Services Available
Uco Bank Ernakulam Main Branch IFSC Code UCBA0000431 — Complete Banking Guide for Ernakulam, Kerala
IFSC code UCBA0000431 belongs to the Ernakulam Main branch of Uco Bank in Ernakulam, Ernakulam district, Kerala. This 11-character code, assigned by the Reserve Bank of India, is mandatory for all digital fund transfers — NEFT, RTGS, IMPS, and UPI. Every payment initiated to an account at this branch must include IFSC UCBA0000431 to ensure accurate routing through India's centralised payment infrastructure. Providing an incorrect IFSC may delay or fail the transaction, so always verify the code before confirming any transfer.
About Uco Bank, Ernakulam Main Branch
The Ernakulam Main branch of Uco Bank in Ernakulam, Kerala serves retail and corporate customers in Ernakulam district with a full range of banking products. Services typically include savings and current accounts, fixed and recurring deposits, personal and home loans, vehicle finance, trade finance, locker facilities, and wealth management. The branch also supports digital banking — internet banking, mobile banking, UPI, and contactless debit/credit card issuance. Its IFSC UCBA0000431 is the key identifier for all fund transfers routed to accounts at this location through RBI's payment systems.
Payment Methods Using IFSC UCBA0000431
Four primary digital payment rails use IFSC UCBA0000431 for transfers to Uco Bank, Ernakulam Main: NEFT — batch-based, 48 half-hourly settlements daily, no minimum amount, ideal for regular transfers; RTGS — real-time, 24×7, minimum ₹2 lakh, used for high-value transactions; IMPS — instant, 24×7, up to ₹5 lakh, best for urgent transfers; UPI — uses Virtual Payment Address (VPA) linked to accounts at this branch, instant and zero-cost for most transactions. For each method, the sender's bank verifies IFSC UCBA0000431 against the RBI IFSC master list before processing the payment.
MICR Code and Branch Details
In addition to the IFSC, the Ernakulam Main branch of Uco Bank in Ernakulam carries a MICR (Magnetic Ink Character Recognition) code — a 9-digit number printed on cheques that identifies the bank, city, and branch for cheque clearing through the MICR-based clearing system. While NEFT/RTGS/IMPS use the IFSC UCBA0000431 exclusively for electronic transfers, MICR remains relevant for paper-based cheque processing. Both codes are listed on this page for complete branch reference.
How to Verify IFSC UCBA0000431 Before Transferring
Before initiating any high-value transfer to IFSC UCBA0000431, verify the code through: (1) the RBI's official IFSC repository at rbi.org.in; (2) Uco Bank's official website branch locator; (3) MahaFind's IFSC lookup — the page you are currently viewing. Cross-reference the branch address and bank name displayed here against the details provided by your recipient to confirm accuracy. A mismatch in even one character of the IFSC can reroute your transfer to a different branch entirely.
FAQs — Uco Bank Ernakulam Main, Ernakulam IFSC
What is the IFSC of Uco Bank Ernakulam Main in Ernakulam?
The IFSC of Uco Bank, Ernakulam Main branch in Ernakulam, Kerala is UCBA0000431. Use this for NEFT, RTGS, IMPS, and UPI transfers to any account at this branch.
What is the minimum amount for NEFT to IFSC UCBA0000431?
There is no minimum amount for NEFT transfers. You can send as little as ₹1. RTGS requires a minimum of ₹2 lakh. IMPS supports up to ₹5 lakh per transaction. All three use IFSC UCBA0000431 to route funds to Uco Bank, Ernakulam Main, Ernakulam.
Who assigns IFSC codes like UCBA0000431?
The Reserve Bank of India (RBI) assigns all IFSC codes in India. Uco Bank applied for the IFSC for its Ernakulam Main branch in Ernakulam, and RBI issued UCBA0000431 as the unique identifier. The complete list of valid IFSCs is maintained in RBI's IFSC master directory.
Can I use IFSC UCBA0000431 for UPI payments?
UPI payments are linked to a Virtual Payment Address (VPA) rather than an IFSC directly, but the underlying account is mapped to IFSC UCBA0000431 at Uco Bank, Ernakulam Main, Ernakulam. When sending money via NEFT/RTGS/IMPS to this branch's account holders, always use IFSC UCBA0000431.
About IFSC Code UCBA0000431
IFSC Code UCBA0000431 belongs to Uco Bank branch Ernakulam Main located in Ernakulam, Ernakulam, Kerala.
Branch Information
- IFSC Code: UCBA0000431
- Bank: Uco Bank
- Branch: Ernakulam Main
- Address: KAVERI BUILDINGS CLOTH BAZAR ROAD NEAR PENTAMENAKA BROADWAY ERNAKULAM KERALA PIN 682031
- City: Ernakulam
- District: Ernakulam
- State: Kerala
- Pincode: 682031
Payment Services
- NEFT: Available
- RTGS: Available
- IMPS: Available
- UPI: Available