IFSC Code of UCO Bank, Kohima Secretariat Road Branch Branch, Nagaland

If you are searching for the IFSC code of UCO Bank, KOHIMA SECRETARIAT ROAD BRANCH branch in KOHIMA, NAGALAND, this page has every detail you need. The verified IFSC code for this branch is UCBA0003254. 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 KOHIMA SECRETARIAT ROAD BRANCH branch, and detailed step-by-step guides for using the IFSC UCBA0003254 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 KOHIMA SECRETARIAT ROAD BRANCH branch, the IFSC UCBA0003254 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 003254 identifies this particular branch.

About the bank

UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kohima Secretariat Road Branch branch in Kohima, Nagaland is part of this network and uses the IFSC code UCBA0003254 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at SECRETARIAT ROAD,P.O NEW SECRETARIAT MERUBOTSA, KOHIMA ,KOHIMA ,NAGALAND PIN 797004. It serves the Kohima 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 UCBA0003254 is used to identify this branch on the RBI payments network.

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 KOHIMA SECRETARIAT ROAD BRANCH branch came to be assigned the code UCBA0003254.

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 UCBA0003254, money simply cannot be routed to the KOHIMA SECRETARIAT ROAD BRANCH branch electronically.

Products and account variants supported

Every account opened at the Kohima Secretariat Road Branch branch is mapped to IFSC UCBA0003254 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 UCBA0003254.

Banking services available

The Kohima Secretariat Road Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9436601428.

• 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 UCBA0003254

How to transfer money using IFSC UCBA0003254

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 UCBA0003254 across all three.

NEFT to UCO Bank, KOHIMA SECRETARIAT ROAD BRANCH using IFSC UCBA0003254

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 UCBA0003254, and confirm that the system picks up UCO Bank – KOHIMA SECRETARIAT ROAD BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UCBA0003254

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 – KOHIMA SECRETARIAT ROAD BRANCH, ensure your bank's portal accepts IFSC UCBA0003254 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to UCO Bank – KOHIMA SECRETARIAT ROAD BRANCH, use IMPS. With IFSC UCBA0003254 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 UCBA0003254 for UCO Bank – KOHIMA SECRETARIAT ROAD BRANCH, 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 Kohima Secretariat Road Branch 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 UCBA0003254

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 – KOHIMA SECRETARIAT ROAD BRANCH is still mapped to IFSC UCBA0003254. 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 UCBA0003254 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UCBA0003254

UCO Bank customers can register for net banking and the bank's official mobile app once their account at the KOHIMA SECRETARIAT ROAD BRANCH 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 UCBA0003254 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.

MICR & cheque-truncation details

Cheques drawn on the Kohima Secretariat Road Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0003254 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – KOHIMA SECRETARIAT ROAD BRANCH:

• The IFSC is exactly UCBA0003254 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 KOHIMA SECRETARIAT ROAD BRANCH 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.

Reaching the branch

The Kohima Secretariat Road Branch branch sits at SECRETARIAT ROAD,P.O NEW SECRETARIAT MERUBOTSA, KOHIMA ,KOHIMA ,NAGALAND PIN 797004. If you are travelling from outside Kohima, search for the branch on a maps application using the bank name and locality, or call 91-9436601428 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 UCBA0003254 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UCBA0003254 for UCO Bank – KOHIMA SECRETARIAT ROAD BRANCH, 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 Kohima Secretariat Road Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0003254, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UCBA0003254 belongs to UCO Bank's KOHIMA SECRETARIAT ROAD BRANCH branch, located at SECRETARIAT ROAD,P.O NEW SECRETARIAT MERUBOTSA, KOHIMA ,KOHIMA ,NAGALAND PIN… in KOHIMA, NAGALAND. 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.