Branch Details — UCBA0003165
| Bank Name | UCO Bank |
| Branch Name | Garhi |
| IFSC Code | UCBA0003165 |
| MICR Code | 182028002 |
| Bank Code (RBI) | UCBA |
| Branch Code | 003165 |
| Address | MAIN ROAD, ADJOINING SBI NH 44 GARHI TEH AND DISTT UDHAMPUR ,REASI ,JAMMU AND KASHMIR PIN 182121 |
| City | Udhampur |
| District | Garhi |
| State | Jammu and Kashmir |
| Contact | +91199166547342 |
| Toll Free | 1800-274-0123 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using UCBA0003165
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC UCBA0003165.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC UCBA0003165.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is UCBA0003165. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at UCO Bank Garhi branch, Udhampur, Jammu and Kashmir.
The MICR code is 182028002. It is a 9-digit code printed at the bottom of cheques, used only for cheque clearing.
Address: MAIN ROAD, ADJOINING SBI NH 44 GARHI TEH AND DISTT UDHAMPUR ,REASI ,JAMMU AND KASHMIR PIN 182121. Branch timings: Monday–Friday 9:30 AM – 3:30 PM, Saturday 9:30 AM – 1:30 PM (closed 2nd/4th Saturdays).
UCBA identifies UCO Bank. The 5th character 0 is reserved by RBI. The last 6 characters 003165 identify the Garhi branch.
Yes. UCO Bank Garhi Branch (IFSC: UCBA0003165) is fully enabled for NEFT, RTGS, IMPS, UPI, available 24×7 including weekends and holidays.
Log in to your bank's net banking or mobile app → Fund Transfer → Add Beneficiary → enter account number and IFSC UCBA0003165 → select NEFT/RTGS/IMPS → confirm with OTP.