Use this page as a one-stop reference for everything related to UCO Bank's BALIKUDA CUTTACK branch in BALIKUDA, ODISHA. The branch's IFSC code UCBA0000772 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, UCBA0000772 is the IFSC of UCO Bank's BALIKUDA CUTTACK branch. The format is fixed: UCBA = bank code, 0 = reserved, 000772 = 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 Balikuda Cuttack branch in Balikuda, Odisha is part of this network and uses the IFSC code UCBA0000772 for all electronic settlement.
Balikuda Cuttack branch overview
Located at BALIKUDA DIST JAGATSINGHPUR ,JAGATSINGHPUR ,ODISHA PIN 754108, the Balikuda Cuttack branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0000772 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Balikuda Cuttack |
| IFSC Code | UCBA0000772 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BALIKUDA DIST JAGATSINGHPUR ,JAGATSINGHPUR ,ODISHA PIN 754108 |
| City | Balikuda |
| District | Balikuda |
| State | Odisha |
| STD Code | 6724 |
| Phone | 238225 |
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 BALIKUDA CUTTACK of UCO Bank — its own 11-character IFSC. The code UCBA0000772 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 UCBA0000772 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Balikuda Cuttack branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0000772 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC UCBA0000772
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 UCBA0000772 across all three.
NEFT to UCO Bank, BALIKUDA CUTTACK using IFSC UCBA0000772
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 UCBA0000772, and confirm that the system picks up UCO Bank – BALIKUDA CUTTACK. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BALIKUDA CUTTACK
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's BALIKUDA CUTTACK branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0000772 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 – BALIKUDA CUTTACK, use IMPS. With IFSC UCBA0000772 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 UCBA0000772 for UCO Bank – BALIKUDA CUTTACK, 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 – UCBA0000772 | Yes – UCBA0000772 | Yes – UCBA0000772 |
For most retail customers crediting the Balikuda Cuttack 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 UCBA0000772
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 – BALIKUDA CUTTACK is still mapped to IFSC UCBA0000772. 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 UCBA0000772 and the beneficiary's account number to complete the transfer.
Account types you can open at the Balikuda Cuttack branch
Once you have an account at UCO Bank – BALIKUDA CUTTACK, the IFSC UCBA0000772 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Balikuda Cuttack branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 6724-238225.
- 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 UCBA0000772
Digital banking channels
Most day-to-day work that customers used to do at the Balikuda Cuttack 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 UCBA0000772 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 Balikuda Cuttack branch sits at BALIKUDA DIST JAGATSINGHPUR ,JAGATSINGHPUR ,ODISHA PIN 754108. If you are travelling from outside Balikuda, search for the branch on a maps application using the bank name and locality, or call 6724-238225 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 UCBA0000772 and your account number.
Common mistakes to avoid when using IFSC UCBA0000772
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 – BALIKUDA CUTTACK, 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:
UCBA0000772. - 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.
Working hours
Branch counters at Balikuda Cuttack 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 UCBA0000772 continue to work without interruption.
Verifying IFSC UCBA0000772 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 UCBA0000772 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 6724-238225.
- Visiting the bank's official branch locator page.
Branch address & contact
UCO BankBalikuda Cuttack Branch
BALIKUDA DIST JAGATSINGHPUR ,JAGATSINGHPUR ,ODISHA PIN 754108
Balikuda, Odisha
Phone: 6724-238225
IFSC: UCBA0000772
Frequently asked questions
How quickly will an NEFT transfer using UCBA0000772 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Balikuda Cuttack reflect within 30 minutes.
Does UCO Bank Balikuda Cuttack branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 6724-238225 to confirm.
Can I use IFSC UCBA0000772 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0000772 to send funds instantly.
How do I add UCO Bank Balikuda Cuttack as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0000772, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of UCO Bank Balikuda Cuttack branch?
You can reach the branch at 6724-238225 during regular banking hours.
Is IFSC UCBA0000772 the same for all accounts at Balikuda Cuttack branch?
Yes. The IFSC UCBA0000772 is shared by every account held at UCO Bank's Balikuda Cuttack branch. Only the account number changes from customer to customer.
Is IFSC UCBA0000772 valid for NEFT and RTGS?
Yes. IFSC UCBA0000772 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is UCO Bank Balikuda Cuttack branch located?
UCO Bank's Balikuda Cuttack branch is located at BALIKUDA DIST JAGATSINGHPUR ,JAGATSINGHPUR ,ODISHA PIN 754108, Balikuda, Odisha.
Summary
The IFSC code UCBA0000772 belongs to UCO Bank's BALIKUDA CUTTACK branch, located at BALIKUDA DIST JAGATSINGHPUR ,JAGATSINGHPUR ,ODISHA PIN 754108 in BALIKUDA, ODISHA. 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.
