This page lists the IFSC code, branch address, contact number and fund-transfer information for UCO Bank, CHHEHARATA branch in AMRITSAR. The 11-digit IFSC UCBA0000212 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with UCO Bank at the CHHEHARATA location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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, UCBA0000212 is the IFSC of UCO Bank's CHHEHARATA branch. The format is fixed: UCBA = bank code, 0 = reserved, 000212 = branch identifier.
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Chheharata branch in Amritsar. 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, UCBA0000212.
About the Chheharata branch
The Chheharata branch of UCO Bank is situated at PATHANIA BUILDING CHHEHATRA ,AMRITSAR ,PUNJAB PIN 143105. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code UCBA0000212 is used.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Chheharata |
| IFSC Code | UCBA0000212 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PATHANIA BUILDING CHHEHATRA ,AMRITSAR ,PUNJAB PIN 143105 |
| City | Amritsar |
| District | Amritsar |
| State | Punjab |
| STD Code | 183 |
| Phone | 2258374 |
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 CHHEHARATA branch came to be assigned the code UCBA0000212.
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 UCBA0000212, money simply cannot be routed to the CHHEHARATA 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 UCBA0000212 and the account number together uniquely identify the Chheharata branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UCBA0000212
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 UCBA0000212 across all three.
NEFT to UCO Bank, CHHEHARATA using IFSC UCBA0000212
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 UCBA0000212, and confirm that the system picks up UCO Bank – CHHEHARATA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to CHHEHARATA
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's CHHEHARATA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0000212 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 – CHHEHARATA, use IMPS. With IFSC UCBA0000212 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 UCBA0000212 for UCO Bank – CHHEHARATA, 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 – UCBA0000212 | Yes – UCBA0000212 | Yes – UCBA0000212 |
For most retail customers crediting the Chheharata 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 UCBA0000212
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 – CHHEHARATA is still mapped to IFSC UCBA0000212. 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 UCBA0000212 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Chheharata branch is mapped to IFSC UCBA0000212 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 UCBA0000212.
Products and services
Customers walking into the Chheharata branch can access most of UCO Bank's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC UCBA0000212
Digital banking channels
Most day-to-day work that customers used to do at the Chheharata 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 UCBA0000212 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.
Reaching the branch
The Chheharata branch sits at PATHANIA BUILDING CHHEHATRA ,AMRITSAR ,PUNJAB PIN 143105. If you are travelling from outside Amritsar, search for the branch on a maps application using the bank name and locality, or call 183-2258374 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 UCBA0000212 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 – CHHEHARATA:
- The IFSC is exactly UCBA0000212 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 CHHEHARATA 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 Chheharata branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0000212, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0000212 for UCO Bank – CHHEHARATA, 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 BankChheharata Branch
PATHANIA BUILDING CHHEHATRA ,AMRITSAR ,PUNJAB PIN 143105
Amritsar, Punjab
Phone: 183-2258374
IFSC: UCBA0000212
Frequently asked questions
Is IFSC UCBA0000212 the same for all accounts at Chheharata branch?
Yes. The IFSC UCBA0000212 is shared by every account held at UCO Bank's Chheharata branch. Only the account number changes from customer to customer.
What is the phone number of UCO Bank Chheharata branch?
You can reach the branch at 183-2258374 during regular banking hours.
Where is UCO Bank Chheharata branch located?
UCO Bank's Chheharata branch is located at PATHANIA BUILDING CHHEHATRA ,AMRITSAR ,PUNJAB PIN 143105, Amritsar, Punjab.
Is IFSC UCBA0000212 valid for NEFT and RTGS?
Yes. IFSC UCBA0000212 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Chheharata branch but serve different purposes.
Can I use IFSC UCBA0000212 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0000212 to send funds instantly.
How quickly will an NEFT transfer using UCBA0000212 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Chheharata reflect within 30 minutes.
How do I add UCO Bank Chheharata as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0000212, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code UCBA0000212 belongs to UCO Bank's CHHEHARATA branch, located at PATHANIA BUILDING CHHEHATRA ,AMRITSAR ,PUNJAB PIN 143105 in AMRITSAR, PUNJAB. 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.
