If you are searching for the IFSC code of UCO Bank, CHANGODAR branch in CHANGODAR, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is UCBA0002459. 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 CHANGODAR branch, and detailed step-by-step guides for using the IFSC UCBA0002459 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.
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 – CHANGODAR is UCBA0002459. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002459 map to this branch in CHANGODAR, GUJARAT.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Changodar |
| IFSC Code | UCBA0002459 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 1 PRABHU ESTATE,CHANGODAR CROSS ROAD, CHANGODAR, TALUKA SANAND ,AHMEDABAD ,GUJARAT PIN 382213 |
| City | Changodar |
| District | Ahmadabad |
| State | Gujarat |
| STD Code | 91 |
| Phone | 9662287062 |
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Changodar branch in Changodar, Gujarat is part of this network and uses the IFSC code UCBA0002459 for all electronic settlement.
About this branch
The branch is located at 1 PRABHU ESTATE,CHANGODAR CROSS ROAD, CHANGODAR, TALUKA SANAND ,AHMEDABAD ,GUJARAT PIN 382213. It serves the Changodar 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 UCBA0002459 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 CHANGODAR of UCO Bank — its own 11-character IFSC. The code UCBA0002459 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 UCBA0002459 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 UCBA0002459
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 UCBA0002459 across all three.
NEFT to UCO Bank, CHANGODAR using IFSC UCBA0002459
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 UCBA0002459, and confirm that the system picks up UCO Bank – CHANGODAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0002459
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 – CHANGODAR, ensure your bank's portal accepts IFSC UCBA0002459 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – CHANGODAR, use IMPS. With IFSC UCBA0002459 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 UCBA0002459 for UCO Bank – CHANGODAR, 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 – UCBA0002459 | Yes – UCBA0002459 | Yes – UCBA0002459 |
For most retail customers crediting the Changodar 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 UCBA0002459
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 – CHANGODAR is still mapped to IFSC UCBA0002459. 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 UCBA0002459 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Changodar branch is mapped to IFSC UCBA0002459 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 UCBA0002459.
Products and services
Customers walking into the Changodar 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 UCBA0002459
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 UCBA0002459 and the account number together uniquely identify the Changodar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Changodar 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 UCBA0002459 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.
Common mistakes to avoid when using IFSC UCBA0002459
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 – CHANGODAR, 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:
UCBA0002459. - 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 Changodar branch
The branch is located at 1 PRABHU ESTATE,CHANGODAR CROSS ROAD, CHANGODAR, TALUKA SANAND ,AHMEDABAD ,GUJARAT PIN 382213, which puts it inside Changodar, the broader Ahmadabad district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Changodar branch” — the verified location pin for IFSC UCBA0002459 should appear at the top of the results.
- Confirm the branch is open by calling 91-9662287062 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 UCBA0002459 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0002459 for UCO Bank – CHANGODAR, 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 Changodar 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 UCBA0002459 continue to work without interruption.
Branch address & contact
UCO BankChangodar Branch
1 PRABHU ESTATE,CHANGODAR CROSS ROAD, CHANGODAR, TALUKA SANAND ,AHMEDABAD ,GUJARAT PIN 382213
Changodar, Gujarat
Phone: 91-9662287062
IFSC: UCBA0002459
Frequently asked questions
Where is UCO Bank Changodar branch located?
UCO Bank's Changodar branch is located at 1 PRABHU ESTATE,CHANGODAR CROSS ROAD, CHANGODAR, TALUKA SANAND ,AHMEDABAD ,GUJARAT PIN 382213, Changodar, Gujarat.
How do I add UCO Bank Changodar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0002459, 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 Changodar branch but serve different purposes.
How quickly will an NEFT transfer using UCBA0002459 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Changodar reflect within 30 minutes.
Is IFSC UCBA0002459 the same for all accounts at Changodar branch?
Yes. The IFSC UCBA0002459 is shared by every account held at UCO Bank's Changodar branch. Only the account number changes from customer to customer.
Can I use IFSC UCBA0002459 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0002459 to send funds instantly.
What is the phone number of UCO Bank Changodar branch?
You can reach the branch at 91-9662287062 during regular banking hours.
Final notes
To recap: UCBA0002459 is the IFSC code of UCO Bank, CHANGODAR branch, in CHANGODAR, GUJARAT. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
