Use this page as a one-stop reference for everything related to UCO Bank's BIKANER MAIN branch in BIKANER, RAJASTHAN. The branch's IFSC code UCBA0000116 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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 – BIKANER MAIN is UCBA0000116. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000116 map to this branch in BIKANER, RAJASTHAN.
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Bikaner Main branch in Bikaner. 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, UCBA0000116.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Bikaner Main |
| IFSC Code | UCBA0000116 |
| MICR Code | Refer to cheque leaf |
| Branch Address | K.E.M.ROAD,BIKANER ,BIKANER ,RAJASTHAN PIN 334001 |
| City | Bikaner |
| District | Bikaner |
| State | Rajasthan |
| STD Code | 1521 |
| Phone | 2202246 |
About this branch
The branch is located at K.E.M.ROAD,BIKANER ,BIKANER ,RAJASTHAN PIN 334001. It serves the Bikaner 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 UCBA0000116 is used to identify this branch on the RBI payments network.
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 BIKANER MAIN branch came to be assigned the code UCBA0000116.
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 UCBA0000116, money simply cannot be routed to the BIKANER MAIN branch electronically.
Products and account variants supported
Every account opened at the Bikaner Main branch is mapped to IFSC UCBA0000116 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 UCBA0000116.
Banking services available
The Bikaner Main branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1521-2202246.
- 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 UCBA0000116
How to transfer money using IFSC UCBA0000116
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 UCBA0000116 across all three.
NEFT to UCO Bank, BIKANER MAIN using IFSC UCBA0000116
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 UCBA0000116, and confirm that the system picks up UCO Bank – BIKANER MAIN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0000116
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 – BIKANER MAIN, ensure your bank's portal accepts IFSC UCBA0000116 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – BIKANER MAIN, use IMPS. With IFSC UCBA0000116 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 UCBA0000116 for UCO Bank – BIKANER MAIN, 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 – UCBA0000116 | Yes – UCBA0000116 | Yes – UCBA0000116 |
For most retail customers crediting the Bikaner Main 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.
UPI payments and IFSC UCBA0000116
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 – BIKANER MAIN is still mapped to IFSC UCBA0000116. 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 UCBA0000116 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Bikaner Main 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 UCBA0000116 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.
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 UCBA0000116 and the account number together uniquely identify the Bikaner Main branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC UCBA0000116
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 – BIKANER MAIN, 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:
UCBA0000116. - 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.
How to reach the Bikaner Main branch
The branch is located at K.E.M.ROAD,BIKANER ,BIKANER ,RAJASTHAN PIN 334001, which puts it inside Bikaner, the broader Bikaner district, and the state of Rajasthan. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Bikaner Main branch” — the verified location pin for IFSC UCBA0000116 should appear at the top of the results.
- Confirm the branch is open by calling 1521-2202246 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 UCBA0000116 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0000116 for UCO Bank – BIKANER MAIN, 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 Bikaner Main branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0000116, however, work 24x7.
Branch address & contact
UCO BankBikaner Main Branch
K.E.M.ROAD,BIKANER ,BIKANER ,RAJASTHAN PIN 334001
Bikaner, Rajasthan
Phone: 1521-2202246
IFSC: UCBA0000116
Frequently asked questions
Is IFSC UCBA0000116 valid for NEFT and RTGS?
Yes. IFSC UCBA0000116 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of UCO Bank Bikaner Main branch?
The IFSC code of UCO Bank, Bikaner Main branch is UCBA0000116. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC UCBA0000116 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0000116 to send funds instantly.
What is the phone number of UCO Bank Bikaner Main branch?
You can reach the branch at 1521-2202246 during regular banking hours.
Where is UCO Bank Bikaner Main branch located?
UCO Bank's Bikaner Main branch is located at K.E.M.ROAD,BIKANER ,BIKANER ,RAJASTHAN PIN 334001, Bikaner, Rajasthan.
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 Bikaner Main branch but serve different purposes.
Summary
The IFSC code UCBA0000116 belongs to UCO Bank's BIKANER MAIN branch, located at K.E.M.ROAD,BIKANER ,BIKANER ,RAJASTHAN PIN 334001 in BIKANER, RAJASTHAN. 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.
