IFSC Code of UCO Bank, Ambikapur Branch, Chhattisgarh

If you are searching for the IFSC code of UCO Bank, AMBIKAPUR branch in AMBIKAPUR, CHHATTISGARH, this page has every detail you need. The verified IFSC code for this branch is UCBA0002526. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the AMBIKAPUR branch, and detailed step-by-step guides for using the IFSC UCBA0002526 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For UCO Bank's AMBIKAPUR branch, the IFSC UCBA0002526 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 002526 identifies this particular branch.

About UCO Bank

UCO Bank operates a wide network of branches across India, including the Ambikapur branch in Ambikapur. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UCBA0002526.

Branch details at a glance

Ambikapur branch overview

Located at KHARASIA ROAD, BEHIND AMBIKA PETROL PUMP AMBIKAPUR C.G. ,SURGUJA ,CHHATTISGARH PIN 497001, the Ambikapur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0002526 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 AMBIKAPUR of UCO Bank — its own 11-character IFSC. The code UCBA0002526 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 UCBA0002526 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Ambikapur branch is mapped to IFSC UCBA0002526 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 UCBA0002526.

Banking services available

The Ambikapur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 7774-222940.

• 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 UCBA0002526

How to transfer money using IFSC UCBA0002526

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 UCBA0002526 across all three.

How to use IFSC UCBA0002526 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's AMBIKAPUR 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UCBA0002526.
4. Confirm the bank name auto-populates as UCO Bank and the branch as AMBIKAPUR.
5. 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 AMBIKAPUR

If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's AMBIKAPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0002526 while initiating the transfer and the credit will appear within minutes.

IMPS to UCO Bank AMBIKAPUR (IFSC UCBA0002526)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0002526 in your mobile or internet banking app, and the money is credited to the AMBIKAPUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ambikapur

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC UCBA0002526:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at AMBIKAPUR is still linked to IFSC UCBA0002526.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

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 AMBIKAPUR branch, the IFSC UCBA0002526 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.

Online banking and IFSC UCBA0002526

UCO Bank customers can register for net banking and the bank's official mobile app once their account at the AMBIKAPUR 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 UCBA0002526 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.

MICR & cheque-truncation details

Cheques drawn on the Ambikapur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0002526 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – AMBIKAPUR:

• The IFSC is exactly UCBA0002526 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 AMBIKAPUR 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.

How to reach the Ambikapur branch

The branch is located at KHARASIA ROAD, BEHIND AMBIKA PETROL PUMP AMBIKAPUR C.G. ,SURGUJA ,CHHATTISGARH PIN 497001, which puts it inside Ambikapur, the broader Surguja district, and the state of Chhattisgarh. To plan your visit:

1. Open Google Maps on your phone and search for “UCO Bank Ambikapur branch” — the verified location pin for IFSC UCBA0002526 should appear at the top of the results.
2. Confirm the branch is open by calling 7774-222940 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC UCBA0002526 and your account number.

Verifying IFSC UCBA0002526 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 UCBA0002526 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 7774-222940.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Ambikapur are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to UCBA0002526 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UCBA0002526 belongs to UCO Bank's AMBIKAPUR branch, located at KHARASIA ROAD, BEHIND AMBIKA PETROL PUMP AMBIKAPUR C.G. ,SURGUJA ,CHHATTISGARH… in AMBIKAPUR, CHHATTISGARH. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.