What is NEFT and how does UCO NEFT transfer work?

NEFT (National Electronic Funds Transfer) at UCO is RBI's nationwide payment system for transferring funds between bank accounts. NEFT operates 24x7, 365 days a year including holidays. Transactions are settled in half-hourly batches. There is no minimum transfer amount for NEFT. With AutoAOF, you can fill your UCO NEFT form online and download a print-ready PDF in under 2 minutes.

What are UCO NEFT limits, charges, and timings?

UCO NEFT has no minimum transfer limit. NEFT is free when done via online or mobile banking. Branch NEFT charges vary by amount slab. Transactions are processed in 30-minute batches round the clock. Most transfers complete within 30–60 minutes of submission at any UCO branch.

What details are required to fill the UCO NEFT form?

To fill the UCO NEFT form, you need: (1) Your full name and account number (Remitter), (2) Your registered mobile number, (3) Beneficiary's full name, (4) Beneficiary's account number, (5) Beneficiary bank's 11-character IFSC code, (6) Transfer amount, and (7) Branch name. AutoAOF auto-validates the IFSC and fills the Beneficiary Bank and Branch Name automatically.

What happens if an NEFT transaction fails? Is it safe?

If an NEFT transaction fails, the amount is automatically reversed and credited back to your account within 24–48 hours. NEFT is one of the safest payment methods in India, regulated directly by the Reserve Bank of India. All NEFT transfers are traceable with a unique UTR (Unique Transaction Reference) number. AutoAOF ensures all required fields are filled correctly to avoid rejections.

Can UCO NEFT be used for high-value or international transfers?

NEFT is only for domestic transfers within India between Indian bank accounts. There is no upper limit for NEFT transfers, but your account's per-day limit may apply. For high-value transfers above ₹2 lakh, RTGS is typically faster as it settles in real-time. For international transfers, you need SWIFT or wire transfers, which are separate from NEFT.

What are UCO NEFT charges at the branch?

UCO NEFT branch charges: Up to ₹10,000 — ₹2.25 + GST. ₹10,001 to ₹1 lakh — ₹4.75 + GST. ₹1 lakh to ₹2 lakh — ₹14.75 + GST. Above ₹2 lakh — ₹24.75 + GST. All charges are subject to 18% GST. RTGS & NEFT are FREE via online/mobile banking Verify the latest rates at your UCO branch.

UCO NEFT Form Online – Fill & Download PDF

UCO Bank is a public sector bank headquartered in Kolkata, West Bengal, established in 1943. UCO Bank operates over 3,000 branches across India with a particularly strong presence in Eastern India and is one of the key banks serving West Bengal, Bihar, and Odisha. UCO Bank provides RTGS, NEFT, and IMPS fund transfer services, and accepts deposit forms at all its core banking branches.

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Form Type*

Date*

Branch Name*

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Remitter Details

Remitter Name*

Remitter Account Number*

Remitter Mobile Number*

Cheque Number

Cheque Date

Amount*

Beneficiary Details

Beneficiary Name*

Beneficiary Account Number*

IFSC Code*

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Important Guidelines

The customer shall be responsible for the accuracy of the particulars provided in the payment order issued by them and shall be liable to compensate the Bank for any loss arising due to any error in the payment order.
The customer shall ensure the availability of sufficient funds in their account for the payment order. If the Bank executes the payment order without sufficient funds in the customer's account, the customer shall be bound to pay the amount debited along with any charges, including interest payable by the Bank.
The customer hereby authorizes the Bank to debit their account for any liability incurred due to the execution of any payment order issued by them.
The customer agrees that the payment order becomes irrevocable once the Bank executes it.
No payment order issued by the customer shall be binding on the Bank until the Bank has accepted it and issued the counterfoil of the payment order to the customer.
The Bank shall not be liable for any loss or damage arising due to delays caused by system shutdowns, non-connectivity, batch processing, transmission errors, delivery failures, or any act beyond its control, including misinterpretation or actions by the destination bank.
The remitter must carefully check all payment instructions. As per RTGS rules, funds will be credited to the destination account number provided, even if the beneficiary's name does not match. The Bank shall not be liable for any loss or damage resulting from such discrepancies.
Messages received after the cut-off time will be processed on the next working day.
If there is a banking holiday at the destination center on the day the credit notification is received at the Treasury Branch, the funds will be credited to the beneficiary's account on the next working day with the value date of the previous working day.

Disclaimer : AutoAOF is not official website of UCO. It is an independent platform created to help users easily fill and generate NEFT forms online. The official website of bank is https://www.ucobank.com/. All logos, forms, and trademarks are property of UCO.

Related Forms : Also explore our UCO Cash Deposit Slip, UCO RTGS Form, and UCO Nomination Form.

UCO NEFT— Branch Charges & Limits

Branch Service Charges

Up to ₹10,000	₹2.25 + GST
₹10,001 – ₹1 Lakh	₹4.75 + GST
₹1 Lakh – ₹2 Lakh	₹14.75 + GST
Above ₹2 Lakh	₹24.75 + GST

Transfer Details

Min AmountNo minimum

SettlementWithin 30 minutes

Availability24x7 (online & mobile banking)

Branch NoteBranch: subject to standard working hours

✓ RTGS & NEFT are FREE via online/mobile banking

ⓘ All charges + 18% GST. Verify latest rates at your bank branch.

How to Fill UCO NEFT Form Online

Select Bank & Date: From the Bank Name dropdown, choose UCO. Verify the Form Type is set to NEFT. Enter today's date and the Branch Name where you will submit the form.
Fill Remitter Details: Enter your full name as it appears on your bank account, your Account Number, and your registered Mobile Number. Optionally enter the Cheque Number and Cheque Date if paying by cheque.
Enter Transfer Amount: Type the amount you wish to transfer. NEFT has no minimum transfer limit and works for any amount. NEFT settles in batches every 30 minutes, 24x7.
Fill Beneficiary Account & IFSC: Enter the beneficiary's full name, their Account Number, and their bank's 11-character IFSC Code. AutoAOF will automatically validate the IFSC and fill in the Beneficiary Bank and Branch Name.
Download & Submit at Branch: Click the Download button to get a print-ready PDF. Print the form, sign it, and submit it at your nearest UCO branch. NEFT transactions are settled in the next available batch after submission.

Frequently Asked Questions (FAQs)

What is NEFT and how does UCO NEFT transfer work?: NEFT (National Electronic Funds Transfer) at UCO is RBI's nationwide payment system for transferring funds between bank accounts. NEFT operates 24x7, 365 days a year including holidays. Transactions are settled in half-hourly batches. There is no minimum transfer amount for NEFT. With AutoAOF, you can fill your UCO NEFT form online and download a print-ready PDF in under 2 minutes.
What are UCO NEFT limits, charges, and timings?: UCO NEFT has no minimum transfer limit. NEFT is free when done via online or mobile banking. Branch NEFT charges vary by amount slab. Transactions are processed in 30-minute batches round the clock. Most transfers complete within 30–60 minutes of submission at any UCO branch.
What details are required to fill the UCO NEFT form?: To fill the UCO NEFT form, you need: (1) Your full name and account number (Remitter), (2) Your registered mobile number, (3) Beneficiary's full name, (4) Beneficiary's account number, (5) Beneficiary bank's 11-character IFSC code, (6) Transfer amount, and (7) Branch name. AutoAOF auto-validates the IFSC and fills the Beneficiary Bank and Branch Name automatically.
What happens if an NEFT transaction fails? Is it safe?: If an NEFT transaction fails, the amount is automatically reversed and credited back to your account within 24–48 hours. NEFT is one of the safest payment methods in India, regulated directly by the Reserve Bank of India. All NEFT transfers are traceable with a unique UTR (Unique Transaction Reference) number. AutoAOF ensures all required fields are filled correctly to avoid rejections.
Can UCO NEFT be used for high-value or international transfers?: NEFT is only for domestic transfers within India between Indian bank accounts. There is no upper limit for NEFT transfers, but your account's per-day limit may apply. For high-value transfers above ₹2 lakh, RTGS is typically faster as it settles in real-time. For international transfers, you need SWIFT or wire transfers, which are separate from NEFT.
What are UCO NEFT charges at the branch?: UCO NEFT branch charges: Up to ₹10,000 — ₹2.25 + GST. ₹10,001 to ₹1 lakh — ₹4.75 + GST. ₹1 lakh to ₹2 lakh — ₹14.75 + GST. Above ₹2 lakh — ₹24.75 + GST. All charges are subject to 18% GST. RTGS & NEFT are FREE via online/mobile banking Verify the latest rates at your UCO branch.