UCO Bank — AYALI KHURD

LUDHIANA, PUNJAB

IFSC Code

UCBA0001104

MICR Code

141028017

Branch

AYALI KHURD

Bank

UCO Bank

District

AYALI KHURD

State

PUNJAB

Contact

+911612808518

Address

V AND P O AYALI KHURD ,LUDHIANA ,PUNJAB PIN 142027

Get Directions to This Branch

Using IFSC UCBA0001104 for money transfers

NEFT transfers to AYALI KHURD, one of UCO Bank's branches in AYALI KHURD, are batch-processed rather than instant. Most transfers clear within 30 minutes to a couple of hours during banking hours, and NEFT now runs 24x7 on all days including weekends.

RTGS (Real Time Gross Settlement) is built for high-value transfers — ₹2 lakh and above — and settles individually rather than in batches, so money reaches AYALI KHURD almost immediately once processed, rather than waiting for the next settlement window.

IMPS is built for urgency: transfers to AYALI KHURD clear in seconds rather than minutes or hours, and it works around the clock — useful outside NEFT/RTGS's usual processing windows.

NEFT & RTGS Timing — System Hours vs. Branch Hours

A distinction that matters if you're transferring to AYALI KHURD: the RBI settlement system runs 24x7 for NEFT and RTGS, but that doesn't mean this specific branch is open around the clock. Online transfers process any time; in-person or cash-based requests still depend on the branch actually being open.

MethodSystem HoursIf Visiting AYALI KHURD In Person
NEFT24x7x365, including weekends and holidays (RBI mandate since 16 Dec 2019)Online/net-banking NEFT processes any time. An in-branch, cash, or cheque-based NEFT request still depends on that branch's working hours.
RTGS24x7x365, including weekends and holidays (RBI mandate since 14 Dec 2020)Minimum transfer amount is ₹2 lakh. Same system-vs-branch-hours distinction as NEFT applies for in-person requests.
IMPS24x7x365 — always has been, no banking-hours restriction at the system level.Typically capped per transaction depending on your bank's own limits (often around ₹5 lakh).

Follow these steps to transfer money into an account held at AYALI KHURD:

  1. Log in to your bank's net banking portal or mobile banking app.
  2. Add a new beneficiary/payee, entering the recipient's full name and account number.
  3. Enter the IFSC code UCBA0001104 when prompted — this routes the transfer to AYALI KHURD specifically.
  4. Most banks require a short cooling-off period (often a few hours) after adding a new beneficiary before the first transfer.
  5. Once the beneficiary is active, choose NEFT, RTGS, or IMPS based on the amount and how quickly you need it to arrive.
  6. Enter the amount, review the details (name, account number, IFSC), and confirm with your OTP/PIN.

Frequently asked questions

What is the IFSC code of the UCO Bank AYALI KHURD branch?

The IFSC code for UCO Bank's AYALI KHURD branch in LUDHIANA, AYALI KHURD, PUNJAB is UCBA0001104. This 11-character code is required for NEFT, RTGS, and IMPS transfers to any account held at this branch.

What is the MICR code of this branch?

The MICR code for this branch is 141028017. MICR codes are used for cheque clearing, while the IFSC code (UCBA0001104) is what's needed for electronic transfers like NEFT and RTGS.

Where is the AYALI KHURD branch of UCO Bank located?

This branch is located at: V AND P O AYALI KHURD ,LUDHIANA ,PUNJAB PIN 142027. It falls under AYALI KHURD district, PUNJAB.

Can I use this IFSC code for both NEFT and RTGS transfers?

Yes — the same IFSC code (UCBA0001104) is used for NEFT, RTGS, and IMPS transfers to this branch. Which one you should pick depends on the amount and urgency, not the code itself: RTGS for ₹2 lakh+ needing near-instant settlement, NEFT for regular batch-processed transfers, and IMPS for smaller amounts that need to land in seconds.

Is there a phone number for this branch?

Yes, this branch's listed contact number is +911612808518.

UCO Bank in other districts of PUNJAB

LUDHIANA (19)JALANDHAR (16)AMRITSAR (7)HOSHIARPUR (4)MOHALI (4)KAPURTHALA (3)MOGA (3)PATIALA (3)

IFSC and MICR code data sourced from bank-published branch records. While we take care to keep this current, always confirm the IFSC code with your bank before making a large transfer — see our disclaimer for details.