If you are searching for the IFSC code of UCO Bank, KHANDWA branch in KHANDWA, MADHYA PRADESH, this page has every detail you need. The verified IFSC code for this branch is UCBA0001047. 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 KHANDWA branch, and detailed step-by-step guides for using the IFSC UCBA0001047 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.
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 KHANDWA branch, the IFSC UCBA0001047 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 001047 identifies this particular branch.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Khandwa |
| IFSC Code | UCBA0001047 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GIDWANI MARKET MEDICAL CHAUK KHANDWA ,EAST NIMAR ,MADHYA PRADESH PIN 450001 |
| City | Khandwa |
| District | Khandwa |
| State | Madhya Pradesh |
| STD Code | 731 |
| Phone | 222282 |
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Khandwa branch in Khandwa. 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, UCBA0001047.
About this branch
The branch is located at GIDWANI MARKET MEDICAL CHAUK KHANDWA ,EAST NIMAR ,MADHYA PRADESH PIN 450001. It serves the Khandwa 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 UCBA0001047 is used to identify this branch on the RBI payments network.
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 KHANDWA of UCO Bank — its own 11-character IFSC. The code UCBA0001047 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 UCBA0001047 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC UCBA0001047
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 UCBA0001047 across all three.
NEFT to UCO Bank, KHANDWA using IFSC UCBA0001047
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 UCBA0001047, and confirm that the system picks up UCO Bank – KHANDWA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KHANDWA
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's KHANDWA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0001047 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – KHANDWA, use IMPS. With IFSC UCBA0001047 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 UCBA0001047 for UCO Bank – KHANDWA, 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 – UCBA0001047 | Yes – UCBA0001047 | Yes – UCBA0001047 |
For most retail customers crediting the Khandwa 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 KHANDWA branch, the IFSC UCBA0001047 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 Khandwa branch is mapped to IFSC UCBA0001047 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 UCBA0001047.
Products and services
Customers walking into the Khandwa 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 UCBA0001047
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 UCBA0001047 and the account number together uniquely identify the Khandwa branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Khandwa 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 UCBA0001047 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.
Common mistakes to avoid when using IFSC UCBA0001047
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 – KHANDWA, 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:
UCBA0001047. - 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 Khandwa branch
The branch is located at GIDWANI MARKET MEDICAL CHAUK KHANDWA ,EAST NIMAR ,MADHYA PRADESH PIN 450001, which puts it inside Khandwa, the broader Khandwa district, and the state of Madhya Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Khandwa branch” — the verified location pin for IFSC UCBA0001047 should appear at the top of the results.
- Confirm the branch is open by calling 731-222282 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 UCBA0001047 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0001047 for UCO Bank – KHANDWA, 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 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 Khandwa branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0001047, however, work 24x7.
Branch address & contact
UCO BankKhandwa Branch
GIDWANI MARKET MEDICAL CHAUK KHANDWA ,EAST NIMAR ,MADHYA PRADESH PIN 450001
Khandwa, Madhya Pradesh
Phone: 731-222282
IFSC: UCBA0001047
Frequently asked questions
How do I add UCO Bank Khandwa as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0001047, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Khandwa branch but serve different purposes.
Where is UCO Bank Khandwa branch located?
UCO Bank's Khandwa branch is located at GIDWANI MARKET MEDICAL CHAUK KHANDWA ,EAST NIMAR ,MADHYA PRADESH PIN 450001, Khandwa, Madhya Pradesh.
Is IFSC UCBA0001047 the same for all accounts at Khandwa branch?
Yes. The IFSC UCBA0001047 is shared by every account held at UCO Bank's Khandwa branch. Only the account number changes from customer to customer.
What is the IFSC code of UCO Bank Khandwa branch?
The IFSC code of UCO Bank, Khandwa branch is UCBA0001047. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC UCBA0001047 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0001047 to send funds instantly.
Is IFSC UCBA0001047 valid for NEFT and RTGS?
Yes. IFSC UCBA0001047 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of UCO Bank Khandwa branch?
You can reach the branch at 731-222282 during regular banking hours.
Summary
The IFSC code UCBA0001047 belongs to UCO Bank's KHANDWA branch, located at GIDWANI MARKET MEDICAL CHAUK KHANDWA ,EAST NIMAR ,MADHYA PRADESH PIN 450001 in KHANDWA, 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.
