This page lists the IFSC code, branch address, contact number and fund-transfer information for UCO Bank, MOHALI PUNJAB branch in MOHALI. The 11-digit IFSC UCBA0000445 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 MOHALI PUNJAB 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, UCBA0000445 is the IFSC of UCO Bank's MOHALI PUNJAB branch. The format is fixed: UCBA = bank code, 0 = reserved, 000445 = branch identifier.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Mohali Punjab |
| IFSC Code | UCBA0000445 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SCO 22, PHASE 1, MOHALI DISTT MOHALI ,SAHIBZADA AJIT SINGH NAGAR ,PUNJAB PIN 160055 |
| City | Mohali |
| District | Mohali |
| State | Punjab |
| STD Code | 172 |
| Phone | 2225045 |
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Mohali Punjab branch in Mohali, Punjab is part of this network and uses the IFSC code UCBA0000445 for all electronic settlement.
Mohali Punjab branch overview
Located at SCO 22, PHASE 1, MOHALI DISTT MOHALI ,SAHIBZADA AJIT SINGH NAGAR ,PUNJAB PIN 160055, the Mohali Punjab branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0000445 is required for all interbank electronic transfers routed through this branch.
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 MOHALI PUNJAB of UCO Bank — its own 11-character IFSC. The code UCBA0000445 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 UCBA0000445 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 UCBA0000445
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 UCBA0000445 across all three.
NEFT to UCO Bank, MOHALI PUNJAB using IFSC UCBA0000445
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 UCBA0000445, and confirm that the system picks up UCO Bank – MOHALI PUNJAB. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to MOHALI PUNJAB
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's MOHALI PUNJAB branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0000445 while initiating the transfer and the credit will appear within minutes.
IMPS to UCO Bank MOHALI PUNJAB (IFSC UCBA0000445)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0000445 in your mobile or internet banking app, and the money is credited to the MOHALI PUNJAB branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0000445 for UCO Bank – MOHALI PUNJAB, 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 – UCBA0000445 | Yes – UCBA0000445 | Yes – UCBA0000445 |
For most retail customers crediting the Mohali Punjab 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 UCBA0000445
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 – MOHALI PUNJAB is still mapped to IFSC UCBA0000445. 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 UCBA0000445 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Mohali Punjab branch is mapped to IFSC UCBA0000445 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 UCBA0000445.
Banking services available
The Mohali Punjab branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 172-2225045.
- 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 UCBA0000445
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 UCBA0000445 and the account number together uniquely identify the Mohali Punjab 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 Mohali Punjab 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 UCBA0000445 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.
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 – MOHALI PUNJAB:
- The IFSC is exactly UCBA0000445 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 MOHALI PUNJAB 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 Mohali Punjab branch sits at SCO 22, PHASE 1, MOHALI DISTT MOHALI ,SAHIBZADA AJIT SINGH NAGAR ,PUNJAB PIN 160055. If you are travelling from outside Mohali, search for the branch on a maps application using the bank name and locality, or call 172-2225045 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 UCBA0000445 and your account number.
Verifying IFSC UCBA0000445 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 UCBA0000445 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 172-2225045.
- 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 Mohali Punjab branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0000445, however, work 24x7.
Branch address & contact
UCO BankMohali Punjab Branch
SCO 22, PHASE 1, MOHALI DISTT MOHALI ,SAHIBZADA AJIT SINGH NAGAR ,PUNJAB PIN 160055
Mohali, Punjab
Phone: 172-2225045
IFSC: UCBA0000445
Frequently asked questions
How quickly will an NEFT transfer using UCBA0000445 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Mohali Punjab reflect within 30 minutes.
Is IFSC UCBA0000445 the same for all accounts at Mohali Punjab branch?
Yes. The IFSC UCBA0000445 is shared by every account held at UCO Bank's Mohali Punjab branch. Only the account number changes from customer to customer.
What is the phone number of UCO Bank Mohali Punjab branch?
You can reach the branch at 172-2225045 during regular banking hours.
Does UCO Bank Mohali Punjab branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 172-2225045 to confirm.
Where is UCO Bank Mohali Punjab branch located?
UCO Bank's Mohali Punjab branch is located at SCO 22, PHASE 1, MOHALI DISTT MOHALI ,SAHIBZADA AJIT SINGH NAGAR ,PUNJAB PIN 160055, Mohali, Punjab.
Is IFSC UCBA0000445 valid for NEFT and RTGS?
Yes. IFSC UCBA0000445 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add UCO Bank Mohali Punjab as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0000445, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC UCBA0000445 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0000445 to send funds instantly.
Final notes
To recap: UCBA0000445 is the IFSC code of UCO Bank, MOHALI PUNJAB branch, in MOHALI, PUNJAB. 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.
