IFSC Code of UCO Bank, Mandigobind Garh Punjab Branch, Punjab

This page lists the IFSC code, branch address, contact number and fund-transfer information for UCO Bank, MANDIGOBIND GARH PUNJAB branch in CHANDIGARH. The 11-digit IFSC UCBA0001942 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 MANDIGOBIND GARH PUNJAB 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.

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 – MANDIGOBIND GARH PUNJAB is UCBA0001942. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001942 map to this branch in CHANDIGARH, PUNJAB.

About the bank

UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Mandigobind Garh Punjab branch in Chandigarh, Punjab is part of this network and uses the IFSC code UCBA0001942 for all electronic settlement.

Branch details at a glance

Mandigobind Garh Punjab branch overview

Located at OPP BUS STAND G T ROAD MANDI GOBINDGARH ,FATEHGARH SAHIB ,PUNJAB PIN 147301, the Mandigobind Garh Punjab branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0001942 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 MANDIGOBIND GARH PUNJAB of UCO Bank — its own 11-character IFSC. The code UCBA0001942 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 UCBA0001942 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 Mandigobind Garh Punjab branch is mapped to IFSC UCBA0001942 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 UCBA0001942.

Products and services

Customers walking into the Mandigobind Garh Punjab 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 UCBA0001942

How to transfer money using IFSC UCBA0001942

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 UCBA0001942 across all three.

How to use IFSC UCBA0001942 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's MANDIGOBIND GARH PUNJAB 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 UCBA0001942.
4. Confirm the bank name auto-populates as UCO Bank and the branch as MANDIGOBIND GARH PUNJAB.
5. 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 MANDIGOBIND GARH PUNJAB

If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's MANDIGOBIND GARH PUNJAB branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0001942 while initiating the transfer and the credit will appear within minutes.

IMPS to UCO Bank MANDIGOBIND GARH PUNJAB (IFSC UCBA0001942)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0001942 in your mobile or internet banking app, and the money is credited to the MANDIGOBIND GARH PUNJAB branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Mandigobind Garh Punjab

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 UCBA0001942:

• 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 MANDIGOBIND GARH PUNJAB is still linked to IFSC UCBA0001942.

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.

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 MANDIGOBIND GARH PUNJAB branch, the IFSC UCBA0001942 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.

Digital banking channels

Most day-to-day work that customers used to do at the Mandigobind Garh Punjab 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 UCBA0001942 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 UCBA0001942 and the account number together uniquely identify the Mandigobind Garh Punjab branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – MANDIGOBIND GARH PUNJAB:

• The IFSC is exactly UCBA0001942 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 MANDIGOBIND GARH PUNJAB 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.

Reaching the branch

The Mandigobind Garh Punjab branch sits at OPP BUS STAND G T ROAD MANDI GOBINDGARH ,FATEHGARH SAHIB ,PUNJAB PIN 147301. If you are travelling from outside Chandigarh, search for the branch on a maps application using the bank name and locality, or call 172-256000 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 UCBA0001942 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UCBA0001942 for UCO Bank – MANDIGOBIND GARH PUNJAB, 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 Mandigobind Garh Punjab branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0001942, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UCBA0001942 belongs to UCO Bank's MANDIGOBIND GARH PUNJAB branch, located at OPP BUS STAND G T ROAD MANDI GOBINDGARH ,FATEHGARH SAHIB ,PUNJAB PIN 147301 in CHANDIGARH, 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.