If you are searching for the IFSC code of UCO Bank, HIRAKUD branch in HIRAKUD, ODISHA, this page has every detail you need. The verified IFSC code for this branch is UCBA0000285. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the HIRAKUD branch, and detailed step-by-step guides for using the IFSC UCBA0000285 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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, UCBA0000285 is the IFSC of UCO Bank's HIRAKUD branch. The format is fixed: UCBA = bank code, 0 = reserved, 000285 = branch identifier.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Hirakud |
| IFSC Code | UCBA0000285 |
| MICR Code | Refer to cheque leaf |
| Branch Address | UCOBANK BUILDING PO HIRAKUD DIST SAMBALPUR ,SAMBALPUR ,ODISHA PIN 768016 |
| City | Hirakud |
| District | Sambalpur |
| State | Odisha |
| STD Code | 663 |
| Phone | 2481257 |
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Hirakud branch in Hirakud. 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, UCBA0000285.
Hirakud branch overview
Located at UCOBANK BUILDING PO HIRAKUD DIST SAMBALPUR ,SAMBALPUR ,ODISHA PIN 768016, the Hirakud branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0000285 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 HIRAKUD branch came to be assigned the code UCBA0000285.
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 UCBA0000285, money simply cannot be routed to the HIRAKUD branch electronically.
How to transfer money using IFSC UCBA0000285
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 UCBA0000285 across all three.
How to use IFSC UCBA0000285 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's HIRAKUD 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC UCBA0000285.
- Confirm the bank name auto-populates as UCO Bank and the branch as HIRAKUD.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UCBA0000285
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 – HIRAKUD, ensure your bank's portal accepts IFSC UCBA0000285 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – HIRAKUD, use IMPS. With IFSC UCBA0000285 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 UCBA0000285 for UCO Bank – HIRAKUD, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – UCBA0000285 | Yes – UCBA0000285 | Yes – UCBA0000285 |
For most retail customers crediting the Hirakud 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 HIRAKUD branch, the IFSC UCBA0000285 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 Hirakud branch
Once you have an account at UCO Bank – HIRAKUD, the IFSC UCBA0000285 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 Hirakud branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 663-2481257.
- 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 UCBA0000285
MICR & cheque-truncation details
Cheques drawn on the Hirakud branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0000285 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC UCBA0000285
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the HIRAKUD 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 UCBA0000285 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.
Common mistakes to avoid when using IFSC UCBA0000285
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 – HIRAKUD, 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:
UCBA0000285. - 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 Hirakud branch
The branch is located at UCOBANK BUILDING PO HIRAKUD DIST SAMBALPUR ,SAMBALPUR ,ODISHA PIN 768016, which puts it inside Hirakud, the broader Sambalpur district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Hirakud branch” — the verified location pin for IFSC UCBA0000285 should appear at the top of the results.
- Confirm the branch is open by calling 663-2481257 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 UCBA0000285 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0000285 for UCO Bank – HIRAKUD, 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.
Working hours
Branch counters at Hirakud 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 UCBA0000285 continue to work without interruption.
Branch address & contact
UCO BankHirakud Branch
UCOBANK BUILDING PO HIRAKUD DIST SAMBALPUR ,SAMBALPUR ,ODISHA PIN 768016
Hirakud, Odisha
Phone: 663-2481257
IFSC: UCBA0000285
Frequently asked questions
Where is UCO Bank Hirakud branch located?
UCO Bank's Hirakud branch is located at UCOBANK BUILDING PO HIRAKUD DIST SAMBALPUR ,SAMBALPUR ,ODISHA PIN 768016, Hirakud, Odisha.
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 Hirakud branch but serve different purposes.
What is the phone number of UCO Bank Hirakud branch?
You can reach the branch at 663-2481257 during regular banking hours.
Is IFSC UCBA0000285 the same for all accounts at Hirakud branch?
Yes. The IFSC UCBA0000285 is shared by every account held at UCO Bank's Hirakud branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using UCBA0000285 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Hirakud reflect within 30 minutes.
Can I use IFSC UCBA0000285 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0000285 to send funds instantly.
Summary
The IFSC code UCBA0000285 belongs to UCO Bank's HIRAKUD branch, located at UCOBANK BUILDING PO HIRAKUD DIST SAMBALPUR ,SAMBALPUR ,ODISHA PIN 768016 in HIRAKUD, ODISHA. 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.
