This page lists the IFSC code, branch address, contact number and fund-transfer information for UCO Bank, ADHIYANA branch in KHERI. The 11-digit IFSC UCBA0001653 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with UCO Bank at the ADHIYANA location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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, UCBA0001653 is the IFSC of UCO Bank's ADHIYANA branch. The format is fixed: UCBA = bank code, 0 = reserved, 001653 = branch identifier.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Adhiyana |
| IFSC Code | UCBA0001653 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL. CHANDER PAL KHERI, P.O. NAKUR TEHSIL NAKUR DISTT. SAHARANPUR UP ,SAHARANPUR ,UTTAR PRADESH PIN 247342 |
| City | Kheri |
| District | Lakhimpur Kheri |
| State | Uttar Pradesh |
| STD Code | 132 |
| Phone | 242331 |
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Adhiyana branch in Kheri, Uttar Pradesh is part of this network and uses the IFSC code UCBA0001653 for all electronic settlement.
About the Adhiyana branch
The Adhiyana branch of UCO Bank is situated at VILL. CHANDER PAL KHERI, P.O. NAKUR TEHSIL NAKUR DISTT. SAHARANPUR UP ,SAHARANPUR ,UTTAR PRADESH PIN 247342. 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 UCBA0001653 is used.
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 ADHIYANA of UCO Bank — its own 11-character IFSC. The code UCBA0001653 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 UCBA0001653 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 UCBA0001653
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 UCBA0001653 across all three.
How to use IFSC UCBA0001653 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's ADHIYANA 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 UCBA0001653.
- Confirm the bank name auto-populates as UCO Bank and the branch as ADHIYANA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to ADHIYANA
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's ADHIYANA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0001653 while initiating the transfer and the credit will appear within minutes.
IMPS to UCO Bank ADHIYANA (IFSC UCBA0001653)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0001653 in your mobile or internet banking app, and the money is credited to the ADHIYANA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0001653 for UCO Bank – ADHIYANA, 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 – UCBA0001653 | Yes – UCBA0001653 | Yes – UCBA0001653 |
For most retail customers crediting the Adhiyana 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 UCBA0001653
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 – ADHIYANA is still mapped to IFSC UCBA0001653. 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 UCBA0001653 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Adhiyana branch is mapped to IFSC UCBA0001653 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 UCBA0001653.
Banking services available
The Adhiyana branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 132-242331.
- 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 UCBA0001653
MICR & cheque-truncation details
Cheques drawn on the Adhiyana branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0001653 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC UCBA0001653
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the ADHIYANA 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 UCBA0001653 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.
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 – ADHIYANA:
- The IFSC is exactly UCBA0001653 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 ADHIYANA 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.
How to reach the Adhiyana branch
The branch is located at VILL. CHANDER PAL KHERI, P.O. NAKUR TEHSIL NAKUR DISTT. SAHARANPUR UP ,SAHARANPUR ,UTTAR PRADESH PIN 247342, which puts it inside Kheri, the broader Lakhimpur Kheri district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Adhiyana branch” — the verified location pin for IFSC UCBA0001653 should appear at the top of the results.
- Confirm the branch is open by calling 132-242331 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 UCBA0001653 and your account number.
Verifying IFSC UCBA0001653 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 UCBA0001653 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 132-242331.
- Visiting the bank's official branch locator page.
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 Adhiyana branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0001653, however, work 24x7.
Branch address & contact
UCO BankAdhiyana Branch
VILL. CHANDER PAL KHERI, P.O. NAKUR TEHSIL NAKUR DISTT. SAHARANPUR UP ,SAHARANPUR ,UTTAR PRADESH PIN 247342
Kheri, Uttar Pradesh
Phone: 132-242331
IFSC: UCBA0001653
Frequently asked questions
Is IFSC UCBA0001653 the same for all accounts at Adhiyana branch?
Yes. The IFSC UCBA0001653 is shared by every account held at UCO Bank's Adhiyana branch. Only the account number changes from customer to customer.
What is the phone number of UCO Bank Adhiyana branch?
You can reach the branch at 132-242331 during regular banking hours.
Is IFSC UCBA0001653 valid for NEFT and RTGS?
Yes. IFSC UCBA0001653 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does UCO Bank Adhiyana branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 132-242331 to confirm.
How quickly will an NEFT transfer using UCBA0001653 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Adhiyana reflect within 30 minutes.
What is the IFSC code of UCO Bank Adhiyana branch?
The IFSC code of UCO Bank, Adhiyana branch is UCBA0001653. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add UCO Bank Adhiyana as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0001653, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC UCBA0001653 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0001653 to send funds instantly.
Summary
The IFSC code UCBA0001653 belongs to UCO Bank's ADHIYANA branch, located at VILL. CHANDER PAL KHERI, P.O. NAKUR TEHSIL NAKUR DISTT. SAHARANPUR UP … in KHERI, UTTAR 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.
