Use this page as a one-stop reference for everything related to UCO Bank's AMARGARH branch in AMARGARH, UTTAR PRADESH. The branch's IFSC code UCBA0002966 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, UCBA0002966 is the IFSC of UCO Bank's AMARGARH branch. The format is fixed: UCBA = bank code, 0 = reserved, 002966 = branch identifier.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Amargarh |
| IFSC Code | UCBA0002966 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL UDAISHAHPUR POST AMARGARH DIST PRATAPGARH ,PRATAPGARH ,UTTAR PRADESH PIN 230124 |
| City | Amargarh |
| District | Pratapgarh |
| State | Uttar Pradesh |
| STD Code | 542 |
| Phone | 2220123 |
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Amargarh branch in Amargarh, Uttar Pradesh is part of this network and uses the IFSC code UCBA0002966 for all electronic settlement.
Amargarh branch overview
Located at VILL UDAISHAHPUR POST AMARGARH DIST PRATAPGARH ,PRATAPGARH ,UTTAR PRADESH PIN 230124, the Amargarh branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0002966 is required for all interbank electronic transfers routed through this branch.
Why every UCO Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including AMARGARH of UCO Bank — its own 11-character IFSC. The code UCBA0002966 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC UCBA0002966 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC UCBA0002966
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 UCBA0002966 across all three.
How to use IFSC UCBA0002966 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's AMARGARH branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC UCBA0002966.
- Confirm the bank name auto-populates as UCO Bank and the branch as AMARGARH.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to AMARGARH
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's AMARGARH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0002966 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 – AMARGARH, use IMPS. With IFSC UCBA0002966 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 UCBA0002966 for UCO Bank – AMARGARH, 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 – UCBA0002966 | Yes – UCBA0002966 | Yes – UCBA0002966 |
For most retail customers crediting the Amargarh 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.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at UCO Bank's AMARGARH branch, the IFSC UCBA0002966 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Products and account variants supported
Every account opened at the Amargarh branch is mapped to IFSC UCBA0002966 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 UCBA0002966.
Banking services available
The Amargarh branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 542-2220123.
- 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 UCBA0002966
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 UCBA0002966 and the account number together uniquely identify the Amargarh branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Amargarh branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC UCBA0002966 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
Common mistakes to avoid when using IFSC UCBA0002966
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to UCO Bank – AMARGARH, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
UCBA0002966. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Reaching the branch
The Amargarh branch sits at VILL UDAISHAHPUR POST AMARGARH DIST PRATAPGARH ,PRATAPGARH ,UTTAR PRADESH PIN 230124. If you are travelling from outside Amargarh, search for the branch on a maps application using the bank name and locality, or call 542-2220123 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 UCBA0002966 and your account number.
Verifying IFSC UCBA0002966 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm UCBA0002966 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 542-2220123.
- Visiting the bank's official branch locator page.
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 Amargarh branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0002966, however, work 24x7.
Branch address & contact
UCO BankAmargarh Branch
VILL UDAISHAHPUR POST AMARGARH DIST PRATAPGARH ,PRATAPGARH ,UTTAR PRADESH PIN 230124
Amargarh, Uttar Pradesh
Phone: 542-2220123
IFSC: UCBA0002966
Frequently asked questions
Does UCO Bank Amargarh branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 542-2220123 to confirm.
How quickly will an NEFT transfer using UCBA0002966 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Amargarh reflect within 30 minutes.
What is the IFSC code of UCO Bank Amargarh branch?
The IFSC code of UCO Bank, Amargarh branch is UCBA0002966. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Amargarh branch but serve different purposes.
Is IFSC UCBA0002966 the same for all accounts at Amargarh branch?
Yes. The IFSC UCBA0002966 is shared by every account held at UCO Bank's Amargarh branch. Only the account number changes from customer to customer.
Is IFSC UCBA0002966 valid for NEFT and RTGS?
Yes. IFSC UCBA0002966 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: UCBA0002966 is the IFSC code of UCO Bank, AMARGARH branch, in AMARGARH, 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.
