IFSC Code of UCO Bank, Kolar Road Branch, Madhya Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for UCO Bank, KOLAR ROAD branch in BHOPAL. The 11-digit IFSC UCBA0002178 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with UCO Bank at the KOLAR ROAD location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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, UCBA0002178 is the IFSC of UCO Bank's KOLAR ROAD branch. The format is fixed: UCBA = bank code, 0 = reserved, 002178 = branch identifier.

Branch details at a glance

Bank profile

UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kolar Road branch — IFSC UCBA0002178 — extends the bank's services to customers in and around Bhopal, Madhya Pradesh.

About this branch

The branch is located at ULTIMATE PLAZA, ABOVE RELIANCE FRESH,NEAR KOLAR SQUARE BHOPAL, BHOPAL ,MADHYA PRADESH PIN 462042. It serves the Bhopal region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of UCO Bank. The IFSC UCBA0002178 is used to identify this branch on the RBI payments network.

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 KOLAR ROAD of UCO Bank — its own 11-character IFSC. The code UCBA0002178 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 UCBA0002178 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC UCBA0002178

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 UCBA0002178 across all three.

How to use IFSC UCBA0002178 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's KOLAR ROAD 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UCBA0002178.
4. Confirm the bank name auto-populates as UCO Bank and the branch as KOLAR ROAD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UCBA0002178

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 – KOLAR ROAD, ensure your bank's portal accepts IFSC UCBA0002178 while registering the beneficiary. RTGS is also available 24x7.

IMPS to UCO Bank KOLAR ROAD (IFSC UCBA0002178)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0002178 in your mobile or internet banking app, and the money is credited to the KOLAR ROAD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kolar Road

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 UCBA0002178:

• 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 KOLAR ROAD is still linked to IFSC UCBA0002178.

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.

UPI payments and IFSC UCBA0002178

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 – KOLAR ROAD is still mapped to IFSC UCBA0002178. 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 UCBA0002178 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kolar Road branch is mapped to IFSC UCBA0002178 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 UCBA0002178.

Banking services available

The Kolar Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 755-2493496.

• 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 UCBA0002178

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 UCBA0002178 and the account number together uniquely identify the Kolar Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC UCBA0002178

UCO Bank customers can register for net banking and the bank's official mobile app once their account at the KOLAR ROAD 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 UCBA0002178 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 – KOLAR ROAD:

• The IFSC is exactly UCBA0002178 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 KOLAR ROAD 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 Kolar Road branch

The branch is located at ULTIMATE PLAZA, ABOVE RELIANCE FRESH,NEAR KOLAR SQUARE BHOPAL, BHOPAL ,MADHYA PRADESH PIN 462042, which puts it inside Bhopal, the broader Bhopal district, and the state of Madhya Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “UCO Bank Kolar Road branch” — the verified location pin for IFSC UCBA0002178 should appear at the top of the results.
2. Confirm the branch is open by calling 755-2493496 before stepping out, especially around public holidays.
3. 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 UCBA0002178 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UCBA0002178 for UCO Bank – KOLAR ROAD, 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 Kolar Road 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 UCBA0002178 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UCBA0002178 belongs to UCO Bank's KOLAR ROAD branch, located at ULTIMATE PLAZA, ABOVE RELIANCE FRESH,NEAR KOLAR SQUARE BHOPAL, BHOPAL ,MADHYA… 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.