Use this page as a one-stop reference for everything related to UCO Bank's KHAMAR branch in KHAMAR, ODISHA. The branch's IFSC code UCBA0001132 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.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for UCO Bank – KHAMAR is UCBA0001132. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001132 map to this branch in KHAMAR, ODISHA.
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Khamar branch in Khamar. 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, UCBA0001132.
About the Khamar branch
The Khamar branch of UCO Bank is situated at KHAMAR DIST.ANGUL ,ANUGUL ,ODISHA PIN 759118. 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 UCBA0001132 is used.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Khamar |
| IFSC Code | UCBA0001132 |
| MICR Code | Refer to cheque leaf |
| Branch Address | KHAMAR DIST.ANGUL ,ANUGUL ,ODISHA PIN 759118 |
| City | Khamar |
| District | Angul |
| State | Odisha |
| STD Code | 6764 |
| Phone | 278228 |
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 KHAMAR of UCO Bank — its own 11-character IFSC. The code UCBA0001132 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 UCBA0001132 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Khamar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0001132 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC UCBA0001132
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 UCBA0001132 across all three.
NEFT to UCO Bank, KHAMAR using IFSC UCBA0001132
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 UCBA0001132, and confirm that the system picks up UCO Bank – KHAMAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0001132
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 – KHAMAR, ensure your bank's portal accepts IFSC UCBA0001132 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – KHAMAR, use IMPS. With IFSC UCBA0001132 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 Khamar
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 UCBA0001132:
- 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 KHAMAR is still linked to IFSC UCBA0001132.
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 KHAMAR branch, the IFSC UCBA0001132 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 Khamar branch is mapped to IFSC UCBA0001132 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 UCBA0001132.
Products and services
Customers walking into the Khamar 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 UCBA0001132
Online banking and IFSC UCBA0001132
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the KHAMAR 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 UCBA0001132 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 Khamar branch
The branch is located at KHAMAR DIST.ANGUL ,ANUGUL ,ODISHA PIN 759118, which puts it inside Khamar, the broader Angul district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Khamar branch” — the verified location pin for IFSC UCBA0001132 should appear at the top of the results.
- Confirm the branch is open by calling 6764-278228 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 UCBA0001132 and your account number.
Common mistakes to avoid when using IFSC UCBA0001132
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 – KHAMAR, 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:
UCBA0001132. - 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 Khamar 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 UCBA0001132 continue to work without interruption.
Verifying IFSC UCBA0001132 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 UCBA0001132 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 6764-278228.
- Visiting the bank's official branch locator page.
Branch address & contact
UCO BankKhamar Branch
KHAMAR DIST.ANGUL ,ANUGUL ,ODISHA PIN 759118
Khamar, Odisha
Phone: 6764-278228
IFSC: UCBA0001132
Frequently asked questions
How do I add UCO Bank Khamar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0001132, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UCBA0001132 the same for all accounts at Khamar branch?
Yes. The IFSC UCBA0001132 is shared by every account held at UCO Bank's Khamar branch. Only the account number changes from customer to customer.
Where is UCO Bank Khamar branch located?
UCO Bank's Khamar branch is located at KHAMAR DIST.ANGUL ,ANUGUL ,ODISHA PIN 759118, Khamar, Odisha.
How quickly will an NEFT transfer using UCBA0001132 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Khamar reflect within 30 minutes.
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 Khamar branch but serve different purposes.
What is the phone number of UCO Bank Khamar branch?
You can reach the branch at 6764-278228 during regular banking hours.
Final notes
To recap: UCBA0001132 is the IFSC code of UCO Bank, KHAMAR branch, in KHAMAR, ODISHA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
