UCO Bank — CIVIL LINES LUDHIANA

LUDHIANA, PUNJAB

IFSC Code

UCBA0000534

MICR Code

141028004

Branch

CIVIL LINES LUDHIANA

Bank

UCO Bank

District

LUDHIANA

State

PUNJAB

Contact

+911612444785

Address

BHARAT NAGAR CHOWK CIVIL LINES ,LUDHIANA ,PUNJAB PIN 140001

Get Directions to This Branch

Using IFSC UCBA0000534 for money transfers

NEFT transfers to CIVIL LINES LUDHIANA, one of UCO Bank's branches in LUDHIANA, 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 CIVIL LINES LUDHIANA almost immediately once processed, rather than waiting for the next settlement window.

IMPS is built for urgency: transfers to CIVIL LINES LUDHIANA 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 CIVIL LINES LUDHIANA: 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 CIVIL LINES LUDHIANA 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).

Here's how to send money to CIVIL LINES LUDHIANA using net banking or a UPI app:

  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 UCBA0000534 when prompted — this routes the transfer to CIVIL LINES LUDHIANA 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 CIVIL LINES LUDHIANA branch?

The IFSC code for UCO Bank's CIVIL LINES LUDHIANA branch in LUDHIANA, PUNJAB is UCBA0000534. 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 141028004. MICR codes are used for cheque clearing, while the IFSC code (UCBA0000534) is what's needed for electronic transfers like NEFT and RTGS.

Where is the CIVIL LINES LUDHIANA branch of UCO Bank located?

This branch is located at: BHARAT NAGAR CHOWK CIVIL LINES ,LUDHIANA ,PUNJAB PIN 140001. It falls under LUDHIANA district, PUNJAB.

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

Yes — the same IFSC code (UCBA0000534) 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 +911612444785.

Other UCO Bank branches in LUDHIANA

ALAMGIRBAHADUR KE ROADCHAURA BAZAR LUDHIANADALBAZAR LUDHIANADHANDARI KALANDMC HOSPITAL LUDHIANAGILLHABOWAL KALAN

UCO Bank in other districts of PUNJAB

JALANDHAR (16)AMRITSAR (7)HOSHIARPUR (4)MOHALI (4)KAPURTHALA (3)MOGA (3)PATIALA (3)ABOHAR (2)

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.