If you are searching for the IFSC code of UCO Bank, CHHAILA branch in CHHAILA, HIMACHAL PRADESH, this page has every detail you need. The verified IFSC code for this branch is UCBA0001306. 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 CHHAILA branch, and detailed step-by-step guides for using the IFSC UCBA0001306 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.
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 CHHAILA branch, the IFSC UCBA0001306 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 001306 identifies this particular branch.
Bank profile
UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Chhaila branch — IFSC UCBA0001306 — extends the bank's services to customers in and around Chhaila, Himachal Pradesh.
About this branch
The branch is located at VPO CHHAILA TEH THEOG DIST SHIMLA ,SHIMLA ,HIMACHAL PRADESH PIN 171220. It serves the Chhaila 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 UCBA0001306 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Chhaila |
| IFSC Code | UCBA0001306 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VPO CHHAILA TEH THEOG DIST SHIMLA ,SHIMLA ,HIMACHAL PRADESH PIN 171220 |
| City | Chhaila |
| District | Simla |
| State | Himachal Pradesh |
| STD Code | 177 |
| Phone | 236248 |
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 CHHAILA of UCO Bank — its own 11-character IFSC. The code UCBA0001306 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 UCBA0001306 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Chhaila branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0001306 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 UCBA0001306
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 UCBA0001306 across all three.
NEFT to UCO Bank, CHHAILA using IFSC UCBA0001306
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 UCBA0001306, and confirm that the system picks up UCO Bank – CHHAILA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to CHHAILA
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's CHHAILA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0001306 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 – CHHAILA, use IMPS. With IFSC UCBA0001306 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 UCBA0001306 for UCO Bank – CHHAILA, 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 – UCBA0001306 | Yes – UCBA0001306 | Yes – UCBA0001306 |
For most retail customers crediting the Chhaila 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 CHHAILA branch, the IFSC UCBA0001306 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 Chhaila branch is mapped to IFSC UCBA0001306 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 UCBA0001306.
Products and services
Customers walking into the Chhaila 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 UCBA0001306
Online banking and IFSC UCBA0001306
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the CHHAILA 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 UCBA0001306 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.
How to reach the Chhaila branch
The branch is located at VPO CHHAILA TEH THEOG DIST SHIMLA ,SHIMLA ,HIMACHAL PRADESH PIN 171220, which puts it inside Chhaila, the broader Simla district, and the state of Himachal Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Chhaila branch” — the verified location pin for IFSC UCBA0001306 should appear at the top of the results.
- Confirm the branch is open by calling 177-236248 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 UCBA0001306 and your account number.
Common mistakes to avoid when using IFSC UCBA0001306
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 – CHHAILA, 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:
UCBA0001306. - 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.
Working hours
Branch counters at Chhaila 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 UCBA0001306 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0001306 for UCO Bank – CHHAILA, 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 address & contact
UCO BankChhaila Branch
VPO CHHAILA TEH THEOG DIST SHIMLA ,SHIMLA ,HIMACHAL PRADESH PIN 171220
Chhaila, Himachal Pradesh
Phone: 177-236248
IFSC: UCBA0001306
Frequently asked questions
Is IFSC UCBA0001306 the same for all accounts at Chhaila branch?
Yes. The IFSC UCBA0001306 is shared by every account held at UCO Bank's Chhaila branch. Only the account number changes from customer to customer.
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 Chhaila branch but serve different purposes.
How quickly will an NEFT transfer using UCBA0001306 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Chhaila reflect within 30 minutes.
Can I use IFSC UCBA0001306 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0001306 to send funds instantly.
What is the phone number of UCO Bank Chhaila branch?
You can reach the branch at 177-236248 during regular banking hours.
Where is UCO Bank Chhaila branch located?
UCO Bank's Chhaila branch is located at VPO CHHAILA TEH THEOG DIST SHIMLA ,SHIMLA ,HIMACHAL PRADESH PIN 171220, Chhaila, Himachal Pradesh.
Final notes
To recap: UCBA0001306 is the IFSC code of UCO Bank, CHHAILA branch, in CHHAILA, HIMACHAL PRADESH. 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.
