This page lists the IFSC code, branch address, contact number and fund-transfer information for UCO Bank, VIDYASAGAR UNIVERSITY branch in MIDNAPUR. The 11-digit IFSC UCBA0001748 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 VIDYASAGAR UNIVERSITY 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, UCBA0001748 is the IFSC of UCO Bank's VIDYASAGAR UNIVERSITY branch. The format is fixed: UCBA = bank code, 0 = reserved, 001748 = branch identifier.
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Vidyasagar University branch in Midnapur, West Bengal is part of this network and uses the IFSC code UCBA0001748 for all electronic settlement.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Vidyasagar University |
| IFSC Code | UCBA0001748 |
| MICR Code | Refer to cheque leaf |
| Branch Address | P.O VIDYASAGAR UNIVERSITY DIST. PASCHIM MEDINIPUR ,PASCHIM MEDINIPUR ,WEST BENGAL PIN 721101 |
| City | Midnapur |
| District | Midnapur |
| State | West Bengal |
| STD Code | 33 |
| Phone | 26640186 |
About this branch
The branch is located at P.O VIDYASAGAR UNIVERSITY DIST. PASCHIM MEDINIPUR ,PASCHIM MEDINIPUR ,WEST BENGAL PIN 721101. It serves the Midnapur 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 UCBA0001748 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 VIDYASAGAR UNIVERSITY of UCO Bank — its own 11-character IFSC. The code UCBA0001748 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 UCBA0001748 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Vidyasagar University branch is mapped to IFSC UCBA0001748 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 UCBA0001748.
Banking services available
The Vidyasagar University branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-26640186.
- 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 UCBA0001748
How to transfer money using IFSC UCBA0001748
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 UCBA0001748 across all three.
How to use IFSC UCBA0001748 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's VIDYASAGAR UNIVERSITY 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 UCBA0001748.
- Confirm the bank name auto-populates as UCO Bank and the branch as VIDYASAGAR UNIVERSITY.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UCBA0001748
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 – VIDYASAGAR UNIVERSITY, ensure your bank's portal accepts IFSC UCBA0001748 while registering the beneficiary. RTGS is also available 24x7.
IMPS to UCO Bank VIDYASAGAR UNIVERSITY (IFSC UCBA0001748)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0001748 in your mobile or internet banking app, and the money is credited to the VIDYASAGAR UNIVERSITY branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Vidyasagar University
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 UCBA0001748:
- 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 VIDYASAGAR UNIVERSITY is still linked to IFSC UCBA0001748.
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 VIDYASAGAR UNIVERSITY branch, the IFSC UCBA0001748 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.
Online banking and IFSC UCBA0001748
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the VIDYASAGAR UNIVERSITY 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 UCBA0001748 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 Vidyasagar University branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0001748 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC UCBA0001748
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 – VIDYASAGAR UNIVERSITY, 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:
UCBA0001748. - 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.
Reaching the branch
The Vidyasagar University branch sits at P.O VIDYASAGAR UNIVERSITY DIST. PASCHIM MEDINIPUR ,PASCHIM MEDINIPUR ,WEST BENGAL PIN 721101. If you are travelling from outside Midnapur, search for the branch on a maps application using the bank name and locality, or call 33-26640186 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 UCBA0001748 and your account number.
Verifying IFSC UCBA0001748 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 UCBA0001748 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 33-26640186.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Vidyasagar University 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 UCBA0001748 continue to work without interruption.
Branch address & contact
UCO BankVidyasagar University Branch
P.O VIDYASAGAR UNIVERSITY DIST. PASCHIM MEDINIPUR ,PASCHIM MEDINIPUR ,WEST BENGAL PIN 721101
Midnapur, West Bengal
Phone: 33-26640186
IFSC: UCBA0001748
Frequently asked questions
What is the IFSC code of UCO Bank Vidyasagar University branch?
The IFSC code of UCO Bank, Vidyasagar University branch is UCBA0001748. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC UCBA0001748 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0001748 to send funds instantly.
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 Vidyasagar University branch but serve different purposes.
How do I add UCO Bank Vidyasagar University as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0001748, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UCBA0001748 the same for all accounts at Vidyasagar University branch?
Yes. The IFSC UCBA0001748 is shared by every account held at UCO Bank's Vidyasagar University branch. Only the account number changes from customer to customer.
What is the phone number of UCO Bank Vidyasagar University branch?
You can reach the branch at 33-26640186 during regular banking hours.
Where is UCO Bank Vidyasagar University branch located?
UCO Bank's Vidyasagar University branch is located at P.O VIDYASAGAR UNIVERSITY DIST. PASCHIM MEDINIPUR ,PASCHIM MEDINIPUR ,WEST BENGAL PIN 721101, Midnapur, West Bengal.
Summary
The IFSC code UCBA0001748 belongs to UCO Bank's VIDYASAGAR UNIVERSITY branch, located at P.O VIDYASAGAR UNIVERSITY DIST. PASCHIM MEDINIPUR ,PASCHIM MEDINIPUR ,WEST… in MIDNAPUR, WEST BENGAL. 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.
