Below are the complete branch details for UCO Bank, BAJRAKABATI CUTTACK branch, located in BHUBANESHWAR, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is UCBA0000876. 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 UCBA0000876 for UCO Bank – BAJRAKABATI CUTTACK — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For UCO Bank's BAJRAKABATI CUTTACK branch, the IFSC UCBA0000876 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 000876 identifies this particular branch.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Bajrakabati Cuttack |
| IFSC Code | UCBA0000876 |
| MICR Code | Refer to cheque leaf |
| Branch Address | UCO BANK BAJRAKABATIROAD,CUTTACK ,CUTTACK ,ODISHA PIN 753001 |
| City | Bhubaneshwar |
| District | Bhubaneshwar |
| State | Odisha |
| STD Code | 671 |
| Phone | 2415189 |
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Bajrakabati Cuttack branch in Bhubaneshwar. 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, UCBA0000876.
About the Bajrakabati Cuttack branch
The Bajrakabati Cuttack branch of UCO Bank is situated at UCO BANK BAJRAKABATIROAD,CUTTACK ,CUTTACK ,ODISHA PIN 753001. 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 UCBA0000876 is used.
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 BAJRAKABATI CUTTACK of UCO Bank — its own 11-character IFSC. The code UCBA0000876 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 UCBA0000876 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 UCBA0000876
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 UCBA0000876 across all three.
How to use IFSC UCBA0000876 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's BAJRAKABATI CUTTACK 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 UCBA0000876.
- Confirm the bank name auto-populates as UCO Bank and the branch as BAJRAKABATI CUTTACK.
- 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 BAJRAKABATI CUTTACK
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's BAJRAKABATI CUTTACK branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0000876 while initiating the transfer and the credit will appear within minutes.
IMPS to UCO Bank BAJRAKABATI CUTTACK (IFSC UCBA0000876)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0000876 in your mobile or internet banking app, and the money is credited to the BAJRAKABATI CUTTACK branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0000876 for UCO Bank – BAJRAKABATI 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 – UCBA0000876 | Yes – UCBA0000876 | Yes – UCBA0000876 |
For most retail customers crediting the Bajrakabati 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.
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 BAJRAKABATI CUTTACK branch, the IFSC UCBA0000876 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 Bajrakabati Cuttack branch is mapped to IFSC UCBA0000876 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 UCBA0000876.
Products and services
Customers walking into the Bajrakabati Cuttack 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 UCBA0000876
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 UCBA0000876 and the account number together uniquely identify the Bajrakabati Cuttack branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC UCBA0000876
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the BAJRAKABATI CUTTACK 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 UCBA0000876 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 – BAJRAKABATI CUTTACK:
- The IFSC is exactly UCBA0000876 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 BAJRAKABATI CUTTACK 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 Bajrakabati Cuttack branch
The branch is located at UCO BANK BAJRAKABATIROAD,CUTTACK ,CUTTACK ,ODISHA PIN 753001, which puts it inside Bhubaneshwar, the broader Bhubaneshwar district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Bajrakabati Cuttack branch” — the verified location pin for IFSC UCBA0000876 should appear at the top of the results.
- Confirm the branch is open by calling 671-2415189 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 UCBA0000876 and your account number.
Verifying IFSC UCBA0000876 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 UCBA0000876 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 671-2415189.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Bajrakabati 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 UCBA0000876 continue to work without interruption.
Branch address & contact
UCO BankBajrakabati Cuttack Branch
UCO BANK BAJRAKABATIROAD,CUTTACK ,CUTTACK ,ODISHA PIN 753001
Bhubaneshwar, Odisha
Phone: 671-2415189
IFSC: UCBA0000876
Frequently asked questions
Is IFSC UCBA0000876 valid for NEFT and RTGS?
Yes. IFSC UCBA0000876 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does UCO Bank Bajrakabati Cuttack branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 671-2415189 to confirm.
What is the IFSC code of UCO Bank Bajrakabati Cuttack branch?
The IFSC code of UCO Bank, Bajrakabati Cuttack branch is UCBA0000876. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UCBA0000876 the same for all accounts at Bajrakabati Cuttack branch?
Yes. The IFSC UCBA0000876 is shared by every account held at UCO Bank's Bajrakabati Cuttack branch. Only the account number changes from customer to customer.
Where is UCO Bank Bajrakabati Cuttack branch located?
UCO Bank's Bajrakabati Cuttack branch is located at UCO BANK BAJRAKABATIROAD,CUTTACK ,CUTTACK ,ODISHA PIN 753001, Bhubaneshwar, Odisha.
How quickly will an NEFT transfer using UCBA0000876 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Bajrakabati Cuttack reflect within 30 minutes.
How do I add UCO Bank Bajrakabati Cuttack as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0000876, 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 Bajrakabati Cuttack branch but serve different purposes.
Summary
The IFSC code UCBA0000876 belongs to UCO Bank's BAJRAKABATI CUTTACK branch, located at UCO BANK BAJRAKABATIROAD,CUTTACK ,CUTTACK ,ODISHA PIN 753001 in BHUBANESHWAR, 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.
