IFSC Code of UCO Bank, Govt Polytecnic Coll Durg Branch, Chhattisgarh

This page lists the IFSC code, branch address, contact number and fund-transfer information for UCO Bank, GOVT POLYTECNIC COLL DURG branch in DURG. The 11-digit IFSC UCBA0002098 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 GOVT POLYTECNIC COLL DURG 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.

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 – GOVT POLYTECNIC COLL DURG is UCBA0002098. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002098 map to this branch in DURG, CHHATTISGARH.

Bank profile

UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Govt Polytecnic Coll Durg branch — IFSC UCBA0002098 — extends the bank's services to customers in and around Durg, Chhattisgarh.

About this branch

The branch is located at GOVT. POLYTECHNIC COLLEGE DURG G E ROAD DURG ,DURG ,CHHATTISGARH PIN 491001. It serves the Durg 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 UCBA0002098 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 GOVT POLYTECNIC COLL DURG branch came to be assigned the code UCBA0002098.

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 UCBA0002098, money simply cannot be routed to the GOVT POLYTECNIC COLL DURG branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Govt Polytecnic Coll Durg branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0002098 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 UCBA0002098

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 UCBA0002098 across all three.

How to use IFSC UCBA0002098 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's GOVT POLYTECNIC COLL DURG 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UCBA0002098.
4. Confirm the bank name auto-populates as UCO Bank and the branch as GOVT POLYTECNIC COLL DURG.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UCBA0002098

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 – GOVT POLYTECNIC COLL DURG, ensure your bank's portal accepts IFSC UCBA0002098 while registering the beneficiary. RTGS is also available 24x7.

IMPS to UCO Bank GOVT POLYTECNIC COLL DURG (IFSC UCBA0002098)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0002098 in your mobile or internet banking app, and the money is credited to the GOVT POLYTECNIC COLL DURG branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Govt Polytecnic Coll Durg

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC UCBA0002098:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at GOVT POLYTECNIC COLL DURG is still linked to IFSC UCBA0002098.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

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 GOVT POLYTECNIC COLL DURG branch, the IFSC UCBA0002098 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 Govt Polytecnic Coll Durg branch is mapped to IFSC UCBA0002098 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 UCBA0002098.

Banking services available

The Govt Polytecnic Coll Durg branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 788-2328323.

• 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 UCBA0002098

Online banking and IFSC UCBA0002098

UCO Bank customers can register for net banking and the bank's official mobile app once their account at the GOVT POLYTECNIC COLL DURG 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 UCBA0002098 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 Govt Polytecnic Coll Durg branch sits at GOVT. POLYTECHNIC COLLEGE DURG G E ROAD DURG ,DURG ,CHHATTISGARH PIN 491001. If you are travelling from outside Durg, search for the branch on a maps application using the bank name and locality, or call 788-2328323 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 UCBA0002098 and your account number.

Common mistakes to avoid when using IFSC UCBA0002098

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 – GOVT POLYTECNIC COLL DURG, 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: UCBA0002098.
• 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 Govt Polytecnic Coll Durg branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0002098, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UCBA0002098 for UCO Bank – GOVT POLYTECNIC COLL DURG, 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

Frequently asked questions

Summary

The IFSC code UCBA0002098 belongs to UCO Bank's GOVT POLYTECNIC COLL DURG branch, located at GOVT. POLYTECHNIC COLLEGE DURG G E ROAD DURG ,DURG ,CHHATTISGARH PIN 491001 in DURG, CHHATTISGARH. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.