This page lists the IFSC code, branch address, contact number and fund-transfer information for UCO Bank, GULBARGA branch in GULBARGA. The 11-digit IFSC UCBA0001686 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 GULBARGA 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.
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 GULBARGA branch, the IFSC UCBA0001686 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 001686 identifies this particular branch.
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Gulbarga branch in Gulbarga. 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, UCBA0001686.
About this branch
The branch is located at NO.1 4D 4E, BHALGHAT COMPOUND ,KALABURAGI ,KARNATAKA PIN 585102. It serves the Gulbarga 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 UCBA0001686 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Gulbarga |
| IFSC Code | UCBA0001686 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO.1 4D 4E, BHALGHAT COMPOUND ,KALABURAGI ,KARNATAKA PIN 585102 |
| City | Gulbarga |
| District | Gulbarga |
| State | Karnataka |
| STD Code | 80 |
| Phone | 220036 |
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 GULBARGA of UCO Bank — its own 11-character IFSC. The code UCBA0001686 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 UCBA0001686 the same way you would treat your account number — verify it once and save it carefully for future use.
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 UCBA0001686 and the account number together uniquely identify the Gulbarga branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UCBA0001686
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 UCBA0001686 across all three.
NEFT to UCO Bank, GULBARGA using IFSC UCBA0001686
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 UCBA0001686, and confirm that the system picks up UCO Bank – GULBARGA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0001686
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 – GULBARGA, ensure your bank's portal accepts IFSC UCBA0001686 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – GULBARGA, use IMPS. With IFSC UCBA0001686 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 Gulbarga
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 UCBA0001686:
- 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 GULBARGA is still linked to IFSC UCBA0001686.
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 GULBARGA branch, the IFSC UCBA0001686 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 Gulbarga branch is mapped to IFSC UCBA0001686 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 UCBA0001686.
Products and services
Customers walking into the Gulbarga 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 UCBA0001686
Online banking and IFSC UCBA0001686
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the GULBARGA 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 UCBA0001686 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.
How to reach the Gulbarga branch
The branch is located at NO.1 4D 4E, BHALGHAT COMPOUND ,KALABURAGI ,KARNATAKA PIN 585102, which puts it inside Gulbarga, the broader Gulbarga district, and the state of Karnataka. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Gulbarga branch” — the verified location pin for IFSC UCBA0001686 should appear at the top of the results.
- Confirm the branch is open by calling 80-220036 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 UCBA0001686 and your account number.
Common mistakes to avoid when using IFSC UCBA0001686
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 – GULBARGA, 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:
UCBA0001686. - 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.
Working hours
Branch counters at Gulbarga 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 UCBA0001686 continue to work without interruption.
Verifying IFSC UCBA0001686 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 UCBA0001686 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 80-220036.
- Visiting the bank's official branch locator page.
Branch address & contact
UCO BankGulbarga Branch
NO.1 4D 4E, BHALGHAT COMPOUND ,KALABURAGI ,KARNATAKA PIN 585102
Gulbarga, Karnataka
Phone: 80-220036
IFSC: UCBA0001686
Frequently asked questions
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 Gulbarga branch but serve different purposes.
How do I add UCO Bank Gulbarga as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0001686, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UCBA0001686 the same for all accounts at Gulbarga branch?
Yes. The IFSC UCBA0001686 is shared by every account held at UCO Bank's Gulbarga branch. Only the account number changes from customer to customer.
What is the IFSC code of UCO Bank Gulbarga branch?
The IFSC code of UCO Bank, Gulbarga branch is UCBA0001686. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using UCBA0001686 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Gulbarga reflect within 30 minutes.
Does UCO Bank Gulbarga branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 80-220036 to confirm.
Where is UCO Bank Gulbarga branch located?
UCO Bank's Gulbarga branch is located at NO.1 4D 4E, BHALGHAT COMPOUND ,KALABURAGI ,KARNATAKA PIN 585102, Gulbarga, Karnataka.
Can I use IFSC UCBA0001686 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0001686 to send funds instantly.
Summary
The IFSC code UCBA0001686 belongs to UCO Bank's GULBARGA branch, located at NO.1 4D 4E, BHALGHAT COMPOUND ,KALABURAGI ,KARNATAKA PIN 585102 in GULBARGA, KARNATAKA. 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.
