IFSC Code of UCO Bank, Chhatri Bazar Gwalior Branch, Madhya Pradesh

Use this page as a one-stop reference for everything related to UCO Bank's CHHATRI BAZAR GWALIOR branch in GWALIOR, MADHYA PRADESH. The branch's IFSC code UCBA0001659 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, UCBA0001659 is the IFSC of UCO Bank's CHHATRI BAZAR GWALIOR branch. The format is fixed: UCBA = bank code, 0 = reserved, 001659 = branch identifier.

Bank profile

UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Chhatri Bazar Gwalior branch — IFSC UCBA0001659 — extends the bank's services to customers in and around Gwalior, Madhya Pradesh.

Chhatri Bazar Gwalior branch overview

Located at CHHATRI BAZAR,GWALIOR ,GWALIOR ,MADHYA PRADESH PIN 474001, the Chhatri Bazar Gwalior branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0001659 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 CHHATRI BAZAR GWALIOR of UCO Bank — its own 11-character IFSC. The code UCBA0001659 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 UCBA0001659 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 UCBA0001659 and the account number together uniquely identify the Chhatri Bazar Gwalior branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC UCBA0001659

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 UCBA0001659 across all three.

How to use IFSC UCBA0001659 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's CHHATRI BAZAR GWALIOR 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 UCBA0001659.
4. Confirm the bank name auto-populates as UCO Bank and the branch as CHHATRI BAZAR GWALIOR.
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 UCBA0001659

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 – CHHATRI BAZAR GWALIOR, ensure your bank's portal accepts IFSC UCBA0001659 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to UCO Bank – CHHATRI BAZAR GWALIOR, use IMPS. With IFSC UCBA0001659 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 UCBA0001659 for UCO Bank – CHHATRI BAZAR GWALIOR, 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.

For most retail customers crediting the Chhatri Bazar Gwalior 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.

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 CHHATRI BAZAR GWALIOR branch, the IFSC UCBA0001659 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.

Account types you can open at the Chhatri Bazar Gwalior branch

Once you have an account at UCO Bank – CHHATRI BAZAR GWALIOR, the IFSC UCBA0001659 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Chhatri Bazar Gwalior branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 751-2424180.

• 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 UCBA0001659

Digital banking channels

Most day-to-day work that customers used to do at the Chhatri Bazar Gwalior 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 UCBA0001659 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.

How to reach the Chhatri Bazar Gwalior branch

The branch is located at CHHATRI BAZAR,GWALIOR ,GWALIOR ,MADHYA PRADESH PIN 474001, which puts it inside Gwalior, the broader Gwalior district, and the state of Madhya Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “UCO Bank Chhatri Bazar Gwalior branch” — the verified location pin for IFSC UCBA0001659 should appear at the top of the results.
2. Confirm the branch is open by calling 751-2424180 before stepping out, especially around public holidays.
3. 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 UCBA0001659 and your account number.

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 – CHHATRI BAZAR GWALIOR:

• The IFSC is exactly UCBA0001659 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 CHHATRI BAZAR GWALIOR 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.

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 Chhatri Bazar Gwalior branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0001659, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UCBA0001659 for UCO Bank – CHHATRI BAZAR GWALIOR, 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 UCBA0001659 belongs to UCO Bank's CHHATRI BAZAR GWALIOR branch, located at CHHATRI BAZAR,GWALIOR ,GWALIOR ,MADHYA PRADESH PIN 474001 in GWALIOR, MADHYA 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.