Use this page as a one-stop reference for everything related to UCO Bank's MANGARH branch in MANGARH, HIMACHAL PRADESH. The branch's IFSC code UCBA0001516 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.
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 MANGARH branch, the IFSC UCBA0001516 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 001516 identifies this particular branch.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Mangarh |
| IFSC Code | UCBA0001516 |
| MICR Code | Refer to cheque leaf |
| Branch Address | UCO BANK MANGARH TEH.PACHHAD DISTT.SIRMOUR ,SIRMAUR ,HIMACHAL PRADESH PIN 173024 |
| City | Mangarh |
| District | Sirmaur |
| State | Himachal Pradesh |
| STD Code | 1702 |
| Phone | 258224 |
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Mangarh branch in Mangarh, Himachal Pradesh is part of this network and uses the IFSC code UCBA0001516 for all electronic settlement.
About this branch
The branch is located at UCO BANK MANGARH TEH.PACHHAD DISTT.SIRMOUR ,SIRMAUR ,HIMACHAL PRADESH PIN 173024. It serves the Mangarh 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 UCBA0001516 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 MANGARH of UCO Bank — its own 11-character IFSC. The code UCBA0001516 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 UCBA0001516 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 UCBA0001516
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 UCBA0001516 across all three.
How to use IFSC UCBA0001516 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's MANGARH 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 UCBA0001516.
- Confirm the bank name auto-populates as UCO Bank and the branch as MANGARH.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UCBA0001516
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 – MANGARH, ensure your bank's portal accepts IFSC UCBA0001516 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – MANGARH, use IMPS. With IFSC UCBA0001516 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 UCBA0001516 for UCO Bank – MANGARH, 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 – UCBA0001516 | Yes – UCBA0001516 | Yes – UCBA0001516 |
For most retail customers crediting the Mangarh 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 UCBA0001516
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 – MANGARH is still mapped to IFSC UCBA0001516. 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 UCBA0001516 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Mangarh branch is mapped to IFSC UCBA0001516 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 UCBA0001516.
Products and services
Customers walking into the Mangarh 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 UCBA0001516
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 UCBA0001516 and the account number together uniquely identify the Mangarh branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC UCBA0001516
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the MANGARH 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 UCBA0001516 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 – MANGARH:
- The IFSC is exactly UCBA0001516 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 MANGARH 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 Mangarh branch sits at UCO BANK MANGARH TEH.PACHHAD DISTT.SIRMOUR ,SIRMAUR ,HIMACHAL PRADESH PIN 173024. If you are travelling from outside Mangarh, search for the branch on a maps application using the bank name and locality, or call 1702-258224 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 UCBA0001516 and your account number.
Verifying IFSC UCBA0001516 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 UCBA0001516 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1702-258224.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Mangarh 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 UCBA0001516 continue to work without interruption.
Branch address & contact
UCO BankMangarh Branch
UCO BANK MANGARH TEH.PACHHAD DISTT.SIRMOUR ,SIRMAUR ,HIMACHAL PRADESH PIN 173024
Mangarh, Himachal Pradesh
Phone: 1702-258224
IFSC: UCBA0001516
Frequently asked questions
Is IFSC UCBA0001516 the same for all accounts at Mangarh branch?
Yes. The IFSC UCBA0001516 is shared by every account held at UCO Bank's Mangarh branch. Only the account number changes from customer to customer.
How do I add UCO Bank Mangarh as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0001516, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is UCO Bank Mangarh branch located?
UCO Bank's Mangarh branch is located at UCO BANK MANGARH TEH.PACHHAD DISTT.SIRMOUR ,SIRMAUR ,HIMACHAL PRADESH PIN 173024, Mangarh, Himachal Pradesh.
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 Mangarh branch but serve different purposes.
What is the phone number of UCO Bank Mangarh branch?
You can reach the branch at 1702-258224 during regular banking hours.
Is IFSC UCBA0001516 valid for NEFT and RTGS?
Yes. IFSC UCBA0001516 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: UCBA0001516 is the IFSC code of UCO Bank, MANGARH branch, in MANGARH, HIMACHAL PRADESH. 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.
