Use this page as a one-stop reference for everything related to UCO Bank's SIMBHAOLI branch in GHAZIABAD, UTTAR PRADESH. The branch's IFSC code UCBA0000261 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, UCBA0000261 is the IFSC of UCO Bank's SIMBHAOLI branch. The format is fixed: UCBA = bank code, 0 = reserved, 000261 = branch identifier.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Simbhaoli |
| IFSC Code | UCBA0000261 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NH 24 GARH DELHI ROAD SIMBHAOLI DISTT. GHAZIABAD ,HAPUR ,UTTAR PRADESH PIN 245207 |
| City | Ghaziabad |
| District | Ghaziabad |
| State | Uttar Pradesh |
| STD Code | 122 |
| Phone | 223031 |
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Simbhaoli branch in Ghaziabad. 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, UCBA0000261.
Simbhaoli branch overview
Located at NH 24 GARH DELHI ROAD SIMBHAOLI DISTT. GHAZIABAD ,HAPUR ,UTTAR PRADESH PIN 245207, the Simbhaoli branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0000261 is required for all interbank electronic transfers routed through this branch.
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 SIMBHAOLI branch came to be assigned the code UCBA0000261.
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 UCBA0000261, money simply cannot be routed to the SIMBHAOLI branch electronically.
How to transfer money using IFSC UCBA0000261
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 UCBA0000261 across all three.
NEFT to UCO Bank, SIMBHAOLI using IFSC UCBA0000261
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 UCBA0000261, and confirm that the system picks up UCO Bank – SIMBHAOLI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0000261
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 – SIMBHAOLI, ensure your bank's portal accepts IFSC UCBA0000261 while registering the beneficiary. RTGS is also available 24x7.
IMPS to UCO Bank SIMBHAOLI (IFSC UCBA0000261)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0000261 in your mobile or internet banking app, and the money is credited to the SIMBHAOLI branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Simbhaoli
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 UCBA0000261:
- 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 SIMBHAOLI is still linked to IFSC UCBA0000261.
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 UCBA0000261
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 – SIMBHAOLI is still mapped to IFSC UCBA0000261. 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 UCBA0000261 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Simbhaoli branch is mapped to IFSC UCBA0000261 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 UCBA0000261.
Banking services available
The Simbhaoli branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 122-223031.
- 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 UCBA0000261
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 UCBA0000261 and the account number together uniquely identify the Simbhaoli 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 Simbhaoli 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 UCBA0000261 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.
Common mistakes to avoid when using IFSC UCBA0000261
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 – SIMBHAOLI, 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:
UCBA0000261. - 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 Simbhaoli branch
The branch is located at NH 24 GARH DELHI ROAD SIMBHAOLI DISTT. GHAZIABAD ,HAPUR ,UTTAR PRADESH PIN 245207, which puts it inside Ghaziabad, the broader Ghaziabad district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Simbhaoli branch” — the verified location pin for IFSC UCBA0000261 should appear at the top of the results.
- Confirm the branch is open by calling 122-223031 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 UCBA0000261 and your account number.
Verifying IFSC UCBA0000261 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 UCBA0000261 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 122-223031.
- 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 Simbhaoli branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0000261, however, work 24x7.
Branch address & contact
UCO BankSimbhaoli Branch
NH 24 GARH DELHI ROAD SIMBHAOLI DISTT. GHAZIABAD ,HAPUR ,UTTAR PRADESH PIN 245207
Ghaziabad, Uttar Pradesh
Phone: 122-223031
IFSC: UCBA0000261
Frequently asked questions
How quickly will an NEFT transfer using UCBA0000261 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Simbhaoli reflect within 30 minutes.
How do I add UCO Bank Simbhaoli as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0000261, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is UCO Bank Simbhaoli branch located?
UCO Bank's Simbhaoli branch is located at NH 24 GARH DELHI ROAD SIMBHAOLI DISTT. GHAZIABAD ,HAPUR ,UTTAR PRADESH PIN 245207, Ghaziabad, Uttar Pradesh.
What is the phone number of UCO Bank Simbhaoli branch?
You can reach the branch at 122-223031 during regular banking hours.
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 Simbhaoli branch but serve different purposes.
Can I use IFSC UCBA0000261 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0000261 to send funds instantly.
Is IFSC UCBA0000261 valid for NEFT and RTGS?
Yes. IFSC UCBA0000261 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of UCO Bank Simbhaoli branch?
The IFSC code of UCO Bank, Simbhaoli branch is UCBA0000261. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code UCBA0000261 belongs to UCO Bank's SIMBHAOLI branch, located at NH 24 GARH DELHI ROAD SIMBHAOLI DISTT. GHAZIABAD ,HAPUR ,UTTAR PRADESH PIN … in GHAZIABAD, UTTAR 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.
