UCO Bank
SANTA CRUZ MUMBAI BRANCH
+912226494752
Understanding IFSC Code: The Digital DNA of UCO Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the SANTA CRUZ MUMBAI
branch of UCO Bank, the code UCBA0000061 ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the UCBA0000061 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"UCBA" represents UCO Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for SANTA CRUZ MUMBAI
Payment Systems Supported by UCBA0000061
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code—400028030—is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The UCO Bank in MUMBAI typically follows the RBI holiday calendar. Digital transfers via UCBA0000061 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While UCBA0000061 is the valid code for SANTA CRUZ MUMBAI at MUMBAI, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
- • UCO Bank Branch List
- • MUMBAI IFSC Codes
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- • Bank Holiday in MAHARASHTRA
Financial Tools
- • GST Calculator Online
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Branch Context
- • SANTA CRUZ MUMBAI Contact
- • Address of UCO Bank
- • MICR Code Finder
- • MAHARASHTRA Banking Circle
Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
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