If you are searching for the IFSC code of UCO Bank, KAJLIKHEDA branch in BHOPAL, MADHYA PRADESH, this page has every detail you need. The verified IFSC code for this branch is UCBA0003682. 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 KAJLIKHEDA branch, and detailed step-by-step guides for using the IFSC UCBA0003682 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, UCBA0003682 is the IFSC of UCO Bank's KAJLIKHEDA branch. The format is fixed: UCBA = bank code, 0 = reserved, 003682 = branch identifier.
Bank profile
UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kajlikheda branch — IFSC UCBA0003682 — extends the bank's services to customers in and around Bhopal, Madhya Pradesh.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Kajlikheda |
| IFSC Code | UCBA0003682 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 1287 P KOLAR MAIN RD KALAPANI VILL KAJLIKHEDA PO BAIRAGARH CHICHALI PIN 462042 |
| City | Bhopal |
| District | Bhopal |
| State | Madhya Pradesh |
| STD Code | 0 |
| Phone | 8319353921 |
Kajlikheda branch overview
Located at 1287 P KOLAR MAIN RD KALAPANI VILL KAJLIKHEDA PO BAIRAGARH CHICHALI PIN 462042, the Kajlikheda branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0003682 is required for all interbank electronic transfers routed through this branch.
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 KAJLIKHEDA of UCO Bank — its own 11-character IFSC. The code UCBA0003682 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 UCBA0003682 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 Kajlikheda branch is mapped to IFSC UCBA0003682 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 UCBA0003682.
Banking services available
The Kajlikheda branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8319353921.
- 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 UCBA0003682
How to transfer money using IFSC UCBA0003682
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 UCBA0003682 across all three.
NEFT to UCO Bank, KAJLIKHEDA using IFSC UCBA0003682
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 UCBA0003682, and confirm that the system picks up UCO Bank – KAJLIKHEDA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KAJLIKHEDA
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's KAJLIKHEDA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0003682 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 – KAJLIKHEDA, use IMPS. With IFSC UCBA0003682 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 UCBA0003682 for UCO Bank – KAJLIKHEDA, 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 – UCBA0003682 | Yes – UCBA0003682 | Yes – UCBA0003682 |
For most retail customers crediting the Kajlikheda 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 KAJLIKHEDA branch, the IFSC UCBA0003682 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.
Online banking and IFSC UCBA0003682
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the KAJLIKHEDA 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 UCBA0003682 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.
MICR & cheque-truncation details
Cheques drawn on the Kajlikheda branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0003682 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – KAJLIKHEDA:
- The IFSC is exactly UCBA0003682 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 KAJLIKHEDA 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.
How to reach the Kajlikheda branch
The branch is located at 1287 P KOLAR MAIN RD KALAPANI VILL KAJLIKHEDA PO BAIRAGARH CHICHALI PIN 462042, which puts it inside Bhopal, the broader Bhopal district, and the state of Madhya Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Kajlikheda branch” — the verified location pin for IFSC UCBA0003682 should appear at the top of the results.
- Confirm the branch is open by calling 8319353921 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC UCBA0003682 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0003682 for UCO Bank – KAJLIKHEDA, 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 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 Kajlikheda branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0003682, however, work 24x7.
Branch address & contact
UCO BankKajlikheda Branch
1287 P KOLAR MAIN RD KALAPANI VILL KAJLIKHEDA PO BAIRAGARH CHICHALI PIN 462042
Bhopal, Madhya Pradesh
Phone: 8319353921
IFSC: UCBA0003682
Frequently asked questions
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 Kajlikheda branch but serve different purposes.
Can I use IFSC UCBA0003682 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0003682 to send funds instantly.
What is the phone number of UCO Bank Kajlikheda branch?
You can reach the branch at 8319353921 during regular banking hours.
How do I add UCO Bank Kajlikheda as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0003682, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UCBA0003682 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Kajlikheda reflect within 30 minutes.
Is IFSC UCBA0003682 valid for NEFT and RTGS?
Yes. IFSC UCBA0003682 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is UCO Bank Kajlikheda branch located?
UCO Bank's Kajlikheda branch is located at 1287 P KOLAR MAIN RD KALAPANI VILL KAJLIKHEDA PO BAIRAGARH CHICHALI PIN 462042, Bhopal, Madhya Pradesh.
Does UCO Bank Kajlikheda branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 8319353921 to confirm.
Summary
The IFSC code UCBA0003682 belongs to UCO Bank's KAJLIKHEDA branch, located at 1287 P KOLAR MAIN RD KALAPANI VILL KAJLIKHEDA PO BAIRAGARH CHICHALI PIN 462042 in BHOPAL, MADHYA PRADESH. 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.
