Branch Details — UCBA0000765
| Bank Name | UCO Bank |
| Branch Name | Habowal Kalan |
| IFSC Code | UCBA0000765 |
| MICR Code | 141028007 |
| Bank Code (RBI) | UCBA |
| Branch Code | 000765 |
| Address | HAIBOWAL KALAN MAIN ROAD, LUDHIANA ,PUNJAB PIN 141001 |
| City | Ludhiana |
| District | Ludhiana |
| State | Punjab |
| Contact | +911612306356 |
| Toll Free | 1800-274-0123 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using UCBA0000765
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC UCBA0000765.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC UCBA0000765.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is UCBA0000765. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at UCO Bank Habowal Kalan branch, Ludhiana, Punjab.
The MICR code is 141028007. It is a 9-digit code printed at the bottom of cheques, used only for cheque clearing.
Address: HAIBOWAL KALAN MAIN ROAD, LUDHIANA ,PUNJAB PIN 141001. 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 000765 identify the Habowal Kalan branch.
Yes. UCO Bank Habowal Kalan Branch (IFSC: UCBA0000765) 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 UCBA0000765 → select NEFT/RTGS/IMPS → confirm with OTP.