Use this page as a one-stop reference for everything related to UCO Bank's ELURU branch in ELURU, ANDHRA PRADESH. The branch's IFSC code UCBA0000491 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 – ELURU is UCBA0000491. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000491 map to this branch in ELURU, ANDHRA PRADESH.
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Eluru branch in Eluru, Andhra Pradesh is part of this network and uses the IFSC code UCBA0000491 for all electronic settlement.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Eluru |
| IFSC Code | UCBA0000491 |
| MICR Code | Refer to cheque leaf |
| Branch Address | UCO BANK DOOR NO 22B 12 10, GADEVARI STREET, NEAR BASANT MAHAL, POWERPET, ELURU ,ELURU ,ANDHRA PRADESH PIN 534002 |
| City | Eluru |
| District | Eluru |
| State | Andhra Pradesh |
| STD Code | 8812 |
| Phone | 230721 |
Eluru branch overview
Located at UCO BANK DOOR NO 22B 12 10, GADEVARI STREET, NEAR BASANT MAHAL, POWERPET, ELURU ,ELURU ,ANDHRA PRADESH PIN 534002, the Eluru branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0000491 is required for all interbank electronic transfers routed through this branch.
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 ELURU of UCO Bank — its own 11-character IFSC. The code UCBA0000491 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 UCBA0000491 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Eluru branch is mapped to IFSC UCBA0000491 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 UCBA0000491.
Products and services
Customers walking into the Eluru 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 UCBA0000491
How to transfer money using IFSC UCBA0000491
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 UCBA0000491 across all three.
NEFT to UCO Bank, ELURU using IFSC UCBA0000491
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 UCBA0000491, and confirm that the system picks up UCO Bank – ELURU. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0000491
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 – ELURU, ensure your bank's portal accepts IFSC UCBA0000491 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – ELURU, use IMPS. With IFSC UCBA0000491 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Eluru
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 UCBA0000491:
- 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 ELURU is still linked to IFSC UCBA0000491.
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.
UPI payments and IFSC UCBA0000491
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 – ELURU is still mapped to IFSC UCBA0000491. 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 UCBA0000491 and the beneficiary's account number to complete the transfer.
Online banking and IFSC UCBA0000491
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the ELURU 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 UCBA0000491 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.
MICR & cheque-truncation details
Cheques drawn on the Eluru branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0000491 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC UCBA0000491
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 – ELURU, 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:
UCBA0000491. - 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.
How to reach the Eluru branch
The branch is located at UCO BANK DOOR NO 22B 12 10, GADEVARI STREET, NEAR BASANT MAHAL, POWERPET, ELURU ,ELURU ,ANDHRA PRADESH PIN 534002, which puts it inside Eluru, the broader Eluru district, and the state of Andhra Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Eluru branch” — the verified location pin for IFSC UCBA0000491 should appear at the top of the results.
- Confirm the branch is open by calling 8812-230721 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 UCBA0000491 and your account number.
Verifying IFSC UCBA0000491 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 UCBA0000491 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8812-230721.
- 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 Eluru branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0000491, however, work 24x7.
Branch address & contact
UCO BankEluru Branch
UCO BANK DOOR NO 22B 12 10, GADEVARI STREET, NEAR BASANT MAHAL, POWERPET, ELURU ,ELURU ,ANDHRA PRADESH PIN 534002
Eluru, Andhra Pradesh
Phone: 8812-230721
IFSC: UCBA0000491
Frequently asked questions
How quickly will an NEFT transfer using UCBA0000491 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Eluru reflect within 30 minutes.
How do I add UCO Bank Eluru as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0000491, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC UCBA0000491 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0000491 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 Eluru branch but serve different purposes.
Does UCO Bank Eluru branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 8812-230721 to confirm.
What is the phone number of UCO Bank Eluru branch?
You can reach the branch at 8812-230721 during regular banking hours.
Where is UCO Bank Eluru branch located?
UCO Bank's Eluru branch is located at UCO BANK DOOR NO 22B 12 10, GADEVARI STREET, NEAR BASANT MAHAL, POWERPET, ELURU ,ELURU ,ANDHRA PRADESH PIN 534002, Eluru, Andhra Pradesh.
Is IFSC UCBA0000491 the same for all accounts at Eluru branch?
Yes. The IFSC UCBA0000491 is shared by every account held at UCO Bank's Eluru branch. Only the account number changes from customer to customer.
Summary
The IFSC code UCBA0000491 belongs to UCO Bank's ELURU branch, located at UCO BANK DOOR NO 22B 12 10, GADEVARI STREET, NEAR BASANT MAHAL, POWERPET,… in ELURU, ANDHRA PRADESH. 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.
