IFSC Code of UCO Bank, Khidkali Branch, Maharashtra

If you are searching for the IFSC code of UCO Bank, KHIDKALI branch in KALYAN, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is UCBA0002285. 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 KHIDKALI branch, and detailed step-by-step guides for using the IFSC UCBA0002285 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, UCBA0002285 is the IFSC of UCO Bank's KHIDKALI branch. The format is fixed: UCBA = bank code, 0 = reserved, 002285 = branch identifier.

Bank profile

UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Khidkali branch — IFSC UCBA0002285 — extends the bank's services to customers in and around Kalyan, Maharashtra.

About the Khidkali branch

The Khidkali branch of UCO Bank is situated at SHOP NO 13 TO 15, RIVERWOOD PARK C H SOC, BLDG NO 11,VILLAGE SAGARLI, KHIDKALI,DIST THANE SHILPHATA ROAD, KHIDKALI, DIST THANE ,THANE ,MAHARASHTRA PIN 421402. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code UCBA0002285 is used.

Branch details at a glance

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 KHIDKALI branch came to be assigned the code UCBA0002285.

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 UCBA0002285, money simply cannot be routed to the KHIDKALI branch electronically.

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 UCBA0002285 and the account number together uniquely identify the Khidkali branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC UCBA0002285

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 UCBA0002285 across all three.

How to use IFSC UCBA0002285 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's KHIDKALI 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 UCBA0002285.
4. Confirm the bank name auto-populates as UCO Bank and the branch as KHIDKALI.
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 UCBA0002285

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 – KHIDKALI, ensure your bank's portal accepts IFSC UCBA0002285 while registering the beneficiary. RTGS is also available 24x7.

IMPS to UCO Bank KHIDKALI (IFSC UCBA0002285)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0002285 in your mobile or internet banking app, and the money is credited to the KHIDKALI branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UCBA0002285 for UCO Bank – KHIDKALI, 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 Khidkali 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.

UPI payments and IFSC UCBA0002285

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 – KHIDKALI is still mapped to IFSC UCBA0002285. 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 UCBA0002285 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Khidkali branch is mapped to IFSC UCBA0002285 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 UCBA0002285.

Banking services available

The Khidkali branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-7798324756.

• 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 UCBA0002285

Digital banking channels

Most day-to-day work that customers used to do at the Khidkali 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 UCBA0002285 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.

Reaching the branch

The Khidkali branch sits at SHOP NO 13 TO 15, RIVERWOOD PARK C H SOC, BLDG NO 11,VILLAGE SAGARLI, KHIDKALI,DIST THANE SHILPHATA ROAD, KHIDKALI, DIST THANE ,THANE ,MAHARASHTRA PIN 421402. If you are travelling from outside Kalyan, search for the branch on a maps application using the bank name and locality, or call 91-7798324756 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC UCBA0002285 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 – KHIDKALI:

• The IFSC is exactly UCBA0002285 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 KHIDKALI 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.

Working hours

Branch counters at Khidkali 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 UCBA0002285 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UCBA0002285 for UCO Bank – KHIDKALI, 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 UCBA0002285 belongs to UCO Bank's KHIDKALI branch, located at SHOP NO 13 TO 15, RIVERWOOD PARK C H SOC, BLDG NO 11,VILLAGE SAGARLI,… in KALYAN, MAHARASHTRA. 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.