Use this page as a one-stop reference for everything related to UCO Bank's AMBEDKAR NAGAR branch in AKBARPUR, UTTAR PRADESH. The branch's IFSC code UCBA0002859 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, UCBA0002859 is the IFSC of UCO Bank's AMBEDKAR NAGAR branch. The format is fixed: UCBA = bank code, 0 = reserved, 002859 = branch identifier.
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ambedkar Nagar branch in Akbarpur, Uttar Pradesh is part of this network and uses the IFSC code UCBA0002859 for all electronic settlement.
About this branch
The branch is located at HOUSE NO. 292 AKBARPUR, AMBEDKARNAGAR ,AMBEDKAR NAGAR ,UTTAR PRADESH PIN 224122. It serves the Akbarpur region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of UCO Bank. The IFSC UCBA0002859 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Ambedkar Nagar |
| IFSC Code | UCBA0002859 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HOUSE NO. 292 AKBARPUR, AMBEDKARNAGAR ,AMBEDKAR NAGAR ,UTTAR PRADESH PIN 224122 |
| City | Akbarpur |
| District | Ambedkar Nagar |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 9936459470 |
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how UCO Bank's AMBEDKAR NAGAR branch came to be assigned the code UCBA0002859.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC UCBA0002859, money simply cannot be routed to the AMBEDKAR NAGAR branch electronically.
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by UCO Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC UCBA0002859 and the account number together uniquely identify the Ambedkar Nagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UCBA0002859
Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC UCBA0002859 across all three.
NEFT to UCO Bank, AMBEDKAR NAGAR using IFSC UCBA0002859
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC UCBA0002859, and confirm that the system picks up UCO Bank – AMBEDKAR NAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to AMBEDKAR NAGAR
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's AMBEDKAR NAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0002859 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – AMBEDKAR NAGAR, use IMPS. With IFSC UCBA0002859 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0002859 for UCO Bank – AMBEDKAR NAGAR, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – UCBA0002859 | Yes – UCBA0002859 | Yes – UCBA0002859 |
For most retail customers crediting the Ambedkar Nagar branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
UPI payments and IFSC UCBA0002859
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at UCO Bank – AMBEDKAR NAGAR is still mapped to IFSC UCBA0002859. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC UCBA0002859 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Ambedkar Nagar branch is mapped to IFSC UCBA0002859 on the RBI payments network. The branch generally supports the full retail product catalogue of UCO Bank, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains UCBA0002859.
Banking services available
The Ambedkar Nagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9936459470.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC UCBA0002859
Online banking and IFSC UCBA0002859
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the AMBEDKAR NAGAR branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC UCBA0002859 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.
Reaching the branch
The Ambedkar Nagar branch sits at HOUSE NO. 292 AKBARPUR, AMBEDKARNAGAR ,AMBEDKAR NAGAR ,UTTAR PRADESH PIN 224122. If you are travelling from outside Akbarpur, search for the branch on a maps application using the bank name and locality, or call 91-9936459470 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC UCBA0002859 and your account number.
Things to verify before sending money
Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to UCO Bank – AMBEDKAR NAGAR:
- The IFSC is exactly UCBA0002859 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills UCO Bank as the bank name and AMBEDKAR NAGAR as the branch.
- The amount and the purpose of payment are correct.
- You have a valid OTP-verifying mobile number on hand.
A 30-second review here saves hours of reconciliation later.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Ambedkar Nagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0002859, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0002859 for UCO Bank – AMBEDKAR NAGAR, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
Branch address & contact
UCO BankAmbedkar Nagar Branch
HOUSE NO. 292 AKBARPUR, AMBEDKARNAGAR ,AMBEDKAR NAGAR ,UTTAR PRADESH PIN 224122
Akbarpur, Uttar Pradesh
Phone: 91-9936459470
IFSC: UCBA0002859
Frequently asked questions
Is IFSC UCBA0002859 valid for NEFT and RTGS?
Yes. IFSC UCBA0002859 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC UCBA0002859 the same for all accounts at Ambedkar Nagar branch?
Yes. The IFSC UCBA0002859 is shared by every account held at UCO Bank's Ambedkar Nagar branch. Only the account number changes from customer to customer.
How do I add UCO Bank Ambedkar Nagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0002859, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UCBA0002859 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Ambedkar Nagar reflect within 30 minutes.
Can I use IFSC UCBA0002859 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0002859 to send funds instantly.
Where is UCO Bank Ambedkar Nagar branch located?
UCO Bank's Ambedkar Nagar branch is located at HOUSE NO. 292 AKBARPUR, AMBEDKARNAGAR ,AMBEDKAR NAGAR ,UTTAR PRADESH PIN 224122, Akbarpur, Uttar Pradesh.
What is the phone number of UCO Bank Ambedkar Nagar branch?
You can reach the branch at 91-9936459470 during regular banking hours.
Does UCO Bank Ambedkar Nagar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9936459470 to confirm.
Final notes
To recap: UCBA0002859 is the IFSC code of UCO Bank, AMBEDKAR NAGAR branch, in AKBARPUR, UTTAR PRADESH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
