Use this page as a one-stop reference for everything related to UCO Bank's MORENA branch in MORENA, MADHYA PRADESH. The branch's IFSC code UCBA0000043 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.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for UCO Bank – MORENA is UCBA0000043. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000043 map to this branch in MORENA, MADHYA PRADESH.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Morena |
| IFSC Code | UCBA0000043 |
| MICR Code | Refer to cheque leaf |
| Branch Address | M. S. ROAD, MORENA ,MORENA ,MADHYA PRADESH PIN 476001 |
| City | Morena |
| District | Morena |
| State | Madhya Pradesh |
| STD Code | 755 |
| Phone | 4046002 |
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Morena branch in Morena, Madhya Pradesh is part of this network and uses the IFSC code UCBA0000043 for all electronic settlement.
About this branch
The branch is located at M. S. ROAD, MORENA ,MORENA ,MADHYA PRADESH PIN 476001. It serves the Morena 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 UCBA0000043 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 MORENA branch came to be assigned the code UCBA0000043.
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 UCBA0000043, money simply cannot be routed to the MORENA branch electronically.
How to transfer money using IFSC UCBA0000043
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 UCBA0000043 across all three.
NEFT to UCO Bank, MORENA using IFSC UCBA0000043
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 UCBA0000043, and confirm that the system picks up UCO Bank – MORENA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0000043
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 – MORENA, ensure your bank's portal accepts IFSC UCBA0000043 while registering the beneficiary. RTGS is also available 24x7.
IMPS to UCO Bank MORENA (IFSC UCBA0000043)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0000043 in your mobile or internet banking app, and the money is credited to the MORENA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0000043 for UCO Bank – MORENA, 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 – UCBA0000043 | Yes – UCBA0000043 | Yes – UCBA0000043 |
For most retail customers crediting the Morena 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.
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 MORENA branch, the IFSC UCBA0000043 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.
Products and account variants supported
Every account opened at the Morena branch is mapped to IFSC UCBA0000043 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 UCBA0000043.
Products and services
Customers walking into the Morena 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 UCBA0000043
MICR & cheque-truncation details
Cheques drawn on the Morena branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0000043 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Morena 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 UCBA0000043 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.
Common mistakes to avoid when using IFSC UCBA0000043
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 – MORENA, 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:
UCBA0000043. - 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 Morena branch sits at M. S. ROAD, MORENA ,MORENA ,MADHYA PRADESH PIN 476001. If you are travelling from outside Morena, search for the branch on a maps application using the bank name and locality, or call 755-4046002 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 UCBA0000043 and your account number.
Verifying IFSC UCBA0000043 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 UCBA0000043 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 755-4046002.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Morena 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 UCBA0000043 continue to work without interruption.
Branch address & contact
UCO BankMorena Branch
M. S. ROAD, MORENA ,MORENA ,MADHYA PRADESH PIN 476001
Morena, Madhya Pradesh
Phone: 755-4046002
IFSC: UCBA0000043
Frequently asked questions
How do I add UCO Bank Morena as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0000043, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC UCBA0000043 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0000043 to send funds instantly.
How quickly will an NEFT transfer using UCBA0000043 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Morena reflect within 30 minutes.
Does UCO Bank Morena branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 755-4046002 to confirm.
What is the IFSC code of UCO Bank Morena branch?
The IFSC code of UCO Bank, Morena branch is UCBA0000043. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UCBA0000043 the same for all accounts at Morena branch?
Yes. The IFSC UCBA0000043 is shared by every account held at UCO Bank's Morena branch. Only the account number changes from customer to customer.
Is IFSC UCBA0000043 valid for NEFT and RTGS?
Yes. IFSC UCBA0000043 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Morena branch but serve different purposes.
Final notes
To recap: UCBA0000043 is the IFSC code of UCO Bank, MORENA branch, in MORENA, MADHYA 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.
