Below are the complete branch details for UCO Bank, BHATINDA branch, located in BATHINDA, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is UCBA0000135. 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 UCBA0000135 for UCO Bank – BHATINDA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for UCO Bank – BHATINDA is UCBA0000135. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000135 map to this branch in BATHINDA, PUNJAB.
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Bhatinda branch in Bathinda. 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, UCBA0000135.
About the Bhatinda branch
The Bhatinda branch of UCO Bank is situated at SCF 1AND2 NEAR PATTTA MARKET ,BATHINDA ,PUNJAB PIN 151001. 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 UCBA0000135 is used.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Bhatinda |
| IFSC Code | UCBA0000135 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SCF 1AND2 NEAR PATTTA MARKET ,BATHINDA ,PUNJAB PIN 151001 |
| City | Bathinda |
| District | Bathinda |
| State | Punjab |
| STD Code | 164 |
| Phone | 2236072 |
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 BHATINDA of UCO Bank — its own 11-character IFSC. The code UCBA0000135 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 UCBA0000135 the same way you would treat your account number — verify it once and save it carefully for future use.
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 UCBA0000135 and the account number together uniquely identify the Bhatinda branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UCBA0000135
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 UCBA0000135 across all three.
NEFT to UCO Bank, BHATINDA using IFSC UCBA0000135
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 UCBA0000135, and confirm that the system picks up UCO Bank – BHATINDA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0000135
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to UCO Bank – BHATINDA, ensure your bank's portal accepts IFSC UCBA0000135 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – BHATINDA, use IMPS. With IFSC UCBA0000135 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 UCBA0000135 for UCO Bank – BHATINDA, 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 – UCBA0000135 | Yes – UCBA0000135 | Yes – UCBA0000135 |
For most retail customers crediting the Bhatinda 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 BHATINDA branch, the IFSC UCBA0000135 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 Bhatinda branch is mapped to IFSC UCBA0000135 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 UCBA0000135.
Products and services
Customers walking into the Bhatinda 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 UCBA0000135
Digital banking channels
Most day-to-day work that customers used to do at the Bhatinda 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 UCBA0000135 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 Bhatinda branch sits at SCF 1AND2 NEAR PATTTA MARKET ,BATHINDA ,PUNJAB PIN 151001. If you are travelling from outside Bathinda, search for the branch on a maps application using the bank name and locality, or call 164-2236072 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 UCBA0000135 and your account number.
Common mistakes to avoid when using IFSC UCBA0000135
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 – BHATINDA, 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:
UCBA0000135. - 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.
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 Bhatinda branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0000135, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0000135 for UCO Bank – BHATINDA, 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 BankBhatinda Branch
SCF 1AND2 NEAR PATTTA MARKET ,BATHINDA ,PUNJAB PIN 151001
Bathinda, Punjab
Phone: 164-2236072
IFSC: UCBA0000135
Frequently asked questions
Does UCO Bank Bhatinda branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 164-2236072 to confirm.
Where is UCO Bank Bhatinda branch located?
UCO Bank's Bhatinda branch is located at SCF 1AND2 NEAR PATTTA MARKET ,BATHINDA ,PUNJAB PIN 151001, Bathinda, Punjab.
Is IFSC UCBA0000135 the same for all accounts at Bhatinda branch?
Yes. The IFSC UCBA0000135 is shared by every account held at UCO Bank's Bhatinda branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using UCBA0000135 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Bhatinda reflect within 30 minutes.
How do I add UCO Bank Bhatinda as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0000135, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of UCO Bank Bhatinda branch?
The IFSC code of UCO Bank, Bhatinda branch is UCBA0000135. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of UCO Bank Bhatinda branch?
You can reach the branch at 164-2236072 during regular banking hours.
Summary
The IFSC code UCBA0000135 belongs to UCO Bank's BHATINDA branch, located at SCF 1AND2 NEAR PATTTA MARKET ,BATHINDA ,PUNJAB PIN 151001 in BATHINDA, 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.
