Use this page as a one-stop reference for everything related to UCO Bank's UTTAM NAGAR branch in DELHI, DELHI. The branch's IFSC code UCBA0002798 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.
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 UTTAM NAGAR branch, the IFSC UCBA0002798 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 002798 identifies this particular branch.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Uttam Nagar |
| IFSC Code | UCBA0002798 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PLOT NO WZ 3 OM VIHAR PHASE 1 NEAR METRO PILLER NO. 706 UTTAM NAGAR ,NEW DELHI ,NCT OF DELHI PIN 110059 |
| City | Delhi |
| District | Delhi |
| State | Delhi |
| STD Code | 91 |
| Phone | 9811721188 |
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Uttam Nagar branch in Delhi. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UCBA0002798.
About the Uttam Nagar branch
The Uttam Nagar branch of UCO Bank is situated at PLOT NO WZ 3 OM VIHAR PHASE 1 NEAR METRO PILLER NO. 706 UTTAM NAGAR ,NEW DELHI ,NCT OF DELHI PIN 110059. 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 UCBA0002798 is used.
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 UTTAM NAGAR branch came to be assigned the code UCBA0002798.
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 UCBA0002798, money simply cannot be routed to the UTTAM NAGAR branch electronically.
How to transfer money using IFSC UCBA0002798
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 UCBA0002798 across all three.
How to use IFSC UCBA0002798 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's UTTAM NAGAR 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC UCBA0002798.
- Confirm the bank name auto-populates as UCO Bank and the branch as UTTAM NAGAR.
- 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 UTTAM NAGAR
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's UTTAM NAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0002798 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 – UTTAM NAGAR, use IMPS. With IFSC UCBA0002798 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 UCBA0002798 for UCO Bank – UTTAM NAGAR, 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 – UCBA0002798 | Yes – UCBA0002798 | Yes – UCBA0002798 |
For most retail customers crediting the Uttam Nagar 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 UCBA0002798
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 – UTTAM NAGAR is still mapped to IFSC UCBA0002798. 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 UCBA0002798 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Uttam Nagar branch is mapped to IFSC UCBA0002798 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 UCBA0002798.
Products and services
Customers walking into the Uttam Nagar 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 UCBA0002798
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 UCBA0002798 and the account number together uniquely identify the Uttam Nagar 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 Uttam Nagar 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 UCBA0002798 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.
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 – UTTAM NAGAR:
- The IFSC is exactly UCBA0002798 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 UTTAM NAGAR 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 Uttam Nagar branch sits at PLOT NO WZ 3 OM VIHAR PHASE 1 NEAR METRO PILLER NO. 706 UTTAM NAGAR ,NEW DELHI ,NCT OF DELHI PIN 110059. If you are travelling from outside Delhi, search for the branch on a maps application using the bank name and locality, or call 91-9811721188 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 UCBA0002798 and your account number.
Verifying IFSC UCBA0002798 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 UCBA0002798 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9811721188.
- Visiting the bank's official branch locator page.
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 Uttam Nagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0002798, however, work 24x7.
Branch address & contact
UCO BankUttam Nagar Branch
PLOT NO WZ 3 OM VIHAR PHASE 1 NEAR METRO PILLER NO. 706 UTTAM NAGAR ,NEW DELHI ,NCT OF DELHI PIN 110059
Delhi, Delhi
Phone: 91-9811721188
IFSC: UCBA0002798
Frequently asked questions
Can I use IFSC UCBA0002798 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0002798 to send funds instantly.
How quickly will an NEFT transfer using UCBA0002798 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Uttam Nagar reflect within 30 minutes.
What is the phone number of UCO Bank Uttam Nagar branch?
You can reach the branch at 91-9811721188 during regular banking hours.
Is IFSC UCBA0002798 the same for all accounts at Uttam Nagar branch?
Yes. The IFSC UCBA0002798 is shared by every account held at UCO Bank's Uttam Nagar 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 Uttam Nagar branch but serve different purposes.
How do I add UCO Bank Uttam Nagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0002798, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: UCBA0002798 is the IFSC code of UCO Bank, UTTAM NAGAR branch, in DELHI, DELHI. 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.
