Use this page as a one-stop reference for everything related to UCO Bank's DARIA branch in DARIYA, CHANDIGARH. The branch's IFSC code UCBA0003292 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 – DARIA is UCBA0003292. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003292 map to this branch in DARIYA, CHANDIGARH.
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Daria branch in Dariya, Chandigarh is part of this network and uses the IFSC code UCBA0003292 for all electronic settlement.
About the Daria branch
The Daria branch of UCO Bank is situated at SHOP NO 132 133 134 MAIN RAILWAY STATION ROAD, DARIA, CHANDIGARH ,CHANDIGARH PIN 160101. 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 UCBA0003292 is used.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Daria |
| IFSC Code | UCBA0003292 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHOP NO 132 133 134 MAIN RAILWAY STATION ROAD, DARIA, CHANDIGARH ,CHANDIGARH PIN 160101 |
| City | Dariya |
| District | Chandigarh |
| State | Chandigarh |
| STD Code | 91 |
| Phone | 7696073010 |
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 DARIA of UCO Bank — its own 11-character IFSC. The code UCBA0003292 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 UCBA0003292 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 Daria branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0003292 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 UCBA0003292
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 UCBA0003292 across all three.
NEFT to UCO Bank, DARIA using IFSC UCBA0003292
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 UCBA0003292, and confirm that the system picks up UCO Bank – DARIA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0003292
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 – DARIA, ensure your bank's portal accepts IFSC UCBA0003292 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – DARIA, use IMPS. With IFSC UCBA0003292 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 UCBA0003292 for UCO Bank – DARIA, 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 – UCBA0003292 | Yes – UCBA0003292 | Yes – UCBA0003292 |
For most retail customers crediting the Daria 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 DARIA branch, the IFSC UCBA0003292 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.
Account types you can open at the Daria branch
Once you have an account at UCO Bank – DARIA, the IFSC UCBA0003292 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.
Banking services available
The Daria branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-7696073010.
- 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 UCBA0003292
Online banking and IFSC UCBA0003292
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the DARIA 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 UCBA0003292 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 Daria branch sits at SHOP NO 132 133 134 MAIN RAILWAY STATION ROAD, DARIA, CHANDIGARH ,CHANDIGARH PIN 160101. If you are travelling from outside Dariya, search for the branch on a maps application using the bank name and locality, or call 91-7696073010 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 UCBA0003292 and your account number.
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 – DARIA:
- The IFSC is exactly UCBA0003292 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 DARIA 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.
Working hours
Branch counters at Daria 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 UCBA0003292 continue to work without interruption.
Verifying IFSC UCBA0003292 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 UCBA0003292 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-7696073010.
- Visiting the bank's official branch locator page.
Branch address & contact
UCO BankDaria Branch
SHOP NO 132 133 134 MAIN RAILWAY STATION ROAD, DARIA, CHANDIGARH ,CHANDIGARH PIN 160101
Dariya, Chandigarh
Phone: 91-7696073010
IFSC: UCBA0003292
Frequently asked questions
Is IFSC UCBA0003292 the same for all accounts at Daria branch?
Yes. The IFSC UCBA0003292 is shared by every account held at UCO Bank's Daria branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using UCBA0003292 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Daria reflect within 30 minutes.
How do I add UCO Bank Daria as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0003292, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC UCBA0003292 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0003292 to send funds instantly.
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 Daria branch but serve different purposes.
What is the phone number of UCO Bank Daria branch?
You can reach the branch at 91-7696073010 during regular banking hours.
Where is UCO Bank Daria branch located?
UCO Bank's Daria branch is located at SHOP NO 132 133 134 MAIN RAILWAY STATION ROAD, DARIA, CHANDIGARH ,CHANDIGARH PIN 160101, Dariya, Chandigarh.
What is the IFSC code of UCO Bank Daria branch?
The IFSC code of UCO Bank, Daria branch is UCBA0003292. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Final notes
To recap: UCBA0003292 is the IFSC code of UCO Bank, DARIA branch, in DARIYA, CHANDIGARH. 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.
