This page lists the IFSC code, branch address, contact number and fund-transfer information for UCO Bank, CHENNAI MAIN BRANCH branch in CHENNAI. The 11-digit IFSC UCBA0000041 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 CHENNAI MAIN BRANCH 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, UCBA0000041 is the IFSC of UCO Bank's CHENNAI MAIN BRANCH branch. The format is fixed: UCBA = bank code, 0 = reserved, 000041 = branch identifier.
Bank profile
UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Chennai Main Branch branch — IFSC UCBA0000041 — extends the bank's services to customers in and around Chennai, Tamil Nadu.
About the Chennai Main Branch branch
The Chennai Main Branch branch of UCO Bank is situated at 328 THAMBU STREET CHENNAI ,CHENNAI ,TAMIL NADU PIN 600001. 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 UCBA0000041 is used.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Chennai Main Branch |
| IFSC Code | UCBA0000041 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 328 THAMBU STREET CHENNAI ,CHENNAI ,TAMIL NADU PIN 600001 |
| City | Chennai |
| District | Chennai |
| State | Tamil Nadu |
| STD Code | 44 |
| Phone | 25342852 |
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 CHENNAI MAIN BRANCH branch came to be assigned the code UCBA0000041.
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 UCBA0000041, money simply cannot be routed to the CHENNAI MAIN BRANCH branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Chennai Main Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0000041 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC UCBA0000041
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 UCBA0000041 across all three.
NEFT to UCO Bank, CHENNAI MAIN BRANCH using IFSC UCBA0000041
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 UCBA0000041, and confirm that the system picks up UCO Bank – CHENNAI MAIN BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to CHENNAI MAIN BRANCH
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's CHENNAI MAIN BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0000041 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – CHENNAI MAIN BRANCH, use IMPS. With IFSC UCBA0000041 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 UCBA0000041 for UCO Bank – CHENNAI MAIN BRANCH, 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 – UCBA0000041 | Yes – UCBA0000041 | Yes – UCBA0000041 |
For most retail customers crediting the Chennai Main Branch 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 UCBA0000041
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 – CHENNAI MAIN BRANCH is still mapped to IFSC UCBA0000041. 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 UCBA0000041 and the beneficiary's account number to complete the transfer.
Account types you can open at the Chennai Main Branch branch
Once you have an account at UCO Bank – CHENNAI MAIN BRANCH, the IFSC UCBA0000041 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Products and services
Customers walking into the Chennai Main Branch 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 UCBA0000041
Online banking and IFSC UCBA0000041
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the CHENNAI MAIN BRANCH 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 UCBA0000041 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.
Reaching the branch
The Chennai Main Branch branch sits at 328 THAMBU STREET CHENNAI ,CHENNAI ,TAMIL NADU PIN 600001. If you are travelling from outside Chennai, search for the branch on a maps application using the bank name and locality, or call 44-25342852 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 UCBA0000041 and your account number.
Common mistakes to avoid when using IFSC UCBA0000041
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 – CHENNAI MAIN BRANCH, 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:
UCBA0000041. - 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.
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 Chennai Main Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0000041, however, work 24x7.
Verifying IFSC UCBA0000041 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 UCBA0000041 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 44-25342852.
- Visiting the bank's official branch locator page.
Branch address & contact
UCO BankChennai Main Branch Branch
328 THAMBU STREET CHENNAI ,CHENNAI ,TAMIL NADU PIN 600001
Chennai, Tamil Nadu
Phone: 44-25342852
IFSC: UCBA0000041
Frequently asked questions
How quickly will an NEFT transfer using UCBA0000041 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Chennai Main Branch reflect within 30 minutes.
Is IFSC UCBA0000041 valid for NEFT and RTGS?
Yes. IFSC UCBA0000041 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add UCO Bank Chennai Main Branch as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0000041, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC UCBA0000041 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0000041 to send funds instantly.
What is the IFSC code of UCO Bank Chennai Main Branch branch?
The IFSC code of UCO Bank, Chennai Main Branch branch is UCBA0000041. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is UCO Bank Chennai Main Branch branch located?
UCO Bank's Chennai Main Branch branch is located at 328 THAMBU STREET CHENNAI ,CHENNAI ,TAMIL NADU PIN 600001, Chennai, Tamil Nadu.
Final notes
To recap: UCBA0000041 is the IFSC code of UCO Bank, CHENNAI MAIN BRANCH branch, in CHENNAI, TAMIL NADU. 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.
