If you are searching for the IFSC code of UCO Bank, AJWA ROAD BARODA branch in BARODA, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is UCBA0000618. 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 AJWA ROAD BARODA branch, and detailed step-by-step guides for using the IFSC UCBA0000618 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.
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, UCBA0000618 is the IFSC of UCO Bank's AJWA ROAD BARODA branch. The format is fixed: UCBA = bank code, 0 = reserved, 000618 = branch identifier.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Ajwa Road Baroda |
| IFSC Code | UCBA0000618 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ARUNODAYA COMPLEX ,VADODARA ,GUJARAT PIN 390019 |
| City | Baroda |
| District | Baroda |
| State | Gujarat |
| STD Code | 265 |
| Phone | 2512131 |
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Ajwa Road Baroda branch in Baroda. 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, UCBA0000618.
Ajwa Road Baroda branch overview
Located at ARUNODAYA COMPLEX ,VADODARA ,GUJARAT PIN 390019, the Ajwa Road Baroda branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0000618 is required for all interbank electronic transfers routed through this branch.
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 AJWA ROAD BARODA branch came to be assigned the code UCBA0000618.
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 UCBA0000618, money simply cannot be routed to the AJWA ROAD BARODA branch electronically.
How to transfer money using IFSC UCBA0000618
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 UCBA0000618 across all three.
How to use IFSC UCBA0000618 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's AJWA ROAD BARODA 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 UCBA0000618.
- Confirm the bank name auto-populates as UCO Bank and the branch as AJWA ROAD BARODA.
- 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 AJWA ROAD BARODA
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's AJWA ROAD BARODA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0000618 while initiating the transfer and the credit will appear within minutes.
IMPS to UCO Bank AJWA ROAD BARODA (IFSC UCBA0000618)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0000618 in your mobile or internet banking app, and the money is credited to the AJWA ROAD BARODA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0000618 for UCO Bank – AJWA ROAD BARODA, 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 – UCBA0000618 | Yes – UCBA0000618 | Yes – UCBA0000618 |
For most retail customers crediting the Ajwa Road Baroda 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 AJWA ROAD BARODA branch, the IFSC UCBA0000618 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 Ajwa Road Baroda branch is mapped to IFSC UCBA0000618 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 UCBA0000618.
Banking services available
The Ajwa Road Baroda branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 265-2512131.
- 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 UCBA0000618
MICR & cheque-truncation details
Cheques drawn on the Ajwa Road Baroda branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0000618 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC UCBA0000618
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the AJWA ROAD BARODA 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 UCBA0000618 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.
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 – AJWA ROAD BARODA:
- The IFSC is exactly UCBA0000618 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 AJWA ROAD BARODA 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.
Reaching the branch
The Ajwa Road Baroda branch sits at ARUNODAYA COMPLEX ,VADODARA ,GUJARAT PIN 390019. If you are travelling from outside Baroda, search for the branch on a maps application using the bank name and locality, or call 265-2512131 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 UCBA0000618 and your account number.
Verifying IFSC UCBA0000618 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 UCBA0000618 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 265-2512131.
- 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 Ajwa Road Baroda branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0000618, however, work 24x7.
Branch address & contact
UCO BankAjwa Road Baroda Branch
ARUNODAYA COMPLEX ,VADODARA ,GUJARAT PIN 390019
Baroda, Gujarat
Phone: 265-2512131
IFSC: UCBA0000618
Frequently asked questions
How quickly will an NEFT transfer using UCBA0000618 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Ajwa Road Baroda reflect within 30 minutes.
Is IFSC UCBA0000618 the same for all accounts at Ajwa Road Baroda branch?
Yes. The IFSC UCBA0000618 is shared by every account held at UCO Bank's Ajwa Road Baroda branch. Only the account number changes from customer to customer.
How do I add UCO Bank Ajwa Road Baroda as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0000618, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Ajwa Road Baroda branch but serve different purposes.
Is IFSC UCBA0000618 valid for NEFT and RTGS?
Yes. IFSC UCBA0000618 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does UCO Bank Ajwa Road Baroda branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 265-2512131 to confirm.
Can I use IFSC UCBA0000618 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0000618 to send funds instantly.
Summary
The IFSC code UCBA0000618 belongs to UCO Bank's AJWA ROAD BARODA branch, located at ARUNODAYA COMPLEX ,VADODARA ,GUJARAT PIN 390019 in BARODA, GUJARAT. 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.
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