Below are the complete branch details for UCO Bank, AYALI KHURD branch, located in AYALI KHURD, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is UCBA0001104. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UCBA0001104 for UCO Bank – AYALI KHURD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, UCBA0001104 is the IFSC of UCO Bank's AYALI KHURD branch. The format is fixed: UCBA = bank code, 0 = reserved, 001104 = 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 Ayali Khurd branch in Ayali Khurd, Punjab is part of this network and uses the IFSC code UCBA0001104 for all electronic settlement.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Ayali Khurd |
| IFSC Code | UCBA0001104 |
| MICR Code | Refer to cheque leaf |
| Branch Address | V AND P O AYALI KHURD ,LUDHIANA ,PUNJAB PIN 142027 |
| City | Ayali Khurd |
| District | Ludhiana |
| State | Punjab |
| STD Code | 161 |
| Phone | 2808518 |
About the Ayali Khurd branch
The Ayali Khurd branch of UCO Bank is situated at V AND P O AYALI KHURD ,LUDHIANA ,PUNJAB PIN 142027. 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 UCBA0001104 is used.
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 AYALI KHURD of UCO Bank — its own 11-character IFSC. The code UCBA0001104 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 UCBA0001104 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 Ayali Khurd branch is mapped to IFSC UCBA0001104 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 UCBA0001104.
Banking services available
The Ayali Khurd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 161-2808518.
- 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 UCBA0001104
How to transfer money using IFSC UCBA0001104
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 UCBA0001104 across all three.
How to use IFSC UCBA0001104 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's AYALI KHURD 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 UCBA0001104.
- Confirm the bank name auto-populates as UCO Bank and the branch as AYALI KHURD.
- 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 AYALI KHURD
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's AYALI KHURD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0001104 while initiating the transfer and the credit will appear within minutes.
IMPS to UCO Bank AYALI KHURD (IFSC UCBA0001104)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0001104 in your mobile or internet banking app, and the money is credited to the AYALI KHURD branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Ayali Khurd
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 UCBA0001104:
- 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 AYALI KHURD is still linked to IFSC UCBA0001104.
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 AYALI KHURD branch, the IFSC UCBA0001104 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.
Digital banking channels
Most day-to-day work that customers used to do at the Ayali Khurd 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 UCBA0001104 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.
MICR & cheque-truncation details
Cheques drawn on the Ayali Khurd branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0001104 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC UCBA0001104
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 – AYALI KHURD, 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:
UCBA0001104. - 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 Ayali Khurd branch sits at V AND P O AYALI KHURD ,LUDHIANA ,PUNJAB PIN 142027. If you are travelling from outside Ayali Khurd, search for the branch on a maps application using the bank name and locality, or call 161-2808518 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 UCBA0001104 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0001104 for UCO Bank – AYALI KHURD, 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.
Working hours
Branch counters at Ayali Khurd 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 UCBA0001104 continue to work without interruption.
Branch address & contact
UCO BankAyali Khurd Branch
V AND P O AYALI KHURD ,LUDHIANA ,PUNJAB PIN 142027
Ayali Khurd, Punjab
Phone: 161-2808518
IFSC: UCBA0001104
Frequently asked questions
Does UCO Bank Ayali Khurd branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 161-2808518 to confirm.
How quickly will an NEFT transfer using UCBA0001104 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Ayali Khurd reflect within 30 minutes.
What is the IFSC code of UCO Bank Ayali Khurd branch?
The IFSC code of UCO Bank, Ayali Khurd branch is UCBA0001104. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UCBA0001104 the same for all accounts at Ayali Khurd branch?
Yes. The IFSC UCBA0001104 is shared by every account held at UCO Bank's Ayali Khurd branch. Only the account number changes from customer to customer.
Where is UCO Bank Ayali Khurd branch located?
UCO Bank's Ayali Khurd branch is located at V AND P O AYALI KHURD ,LUDHIANA ,PUNJAB PIN 142027, Ayali Khurd, Punjab.
Can I use IFSC UCBA0001104 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0001104 to send funds instantly.
How do I add UCO Bank Ayali Khurd as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0001104, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code UCBA0001104 belongs to UCO Bank's AYALI KHURD branch, located at V AND P O AYALI KHURD ,LUDHIANA ,PUNJAB PIN 142027 in AYALI KHURD, 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.
