IFSC Code of UCO Bank, Mughalsarai Branch, Uttar Pradesh

If you are searching for the IFSC code of UCO Bank, MUGHALSARAI branch in MUGHALSARAI, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is UCBA0002123. 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 MUGHALSARAI branch, and detailed step-by-step guides for using the IFSC UCBA0002123 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.

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, UCBA0002123 is the IFSC of UCO Bank's MUGHALSARAI branch. The format is fixed: UCBA = bank code, 0 = reserved, 002123 = 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 Mughalsarai branch in Mughalsarai, Uttar Pradesh is part of this network and uses the IFSC code UCBA0002123 for all electronic settlement.

Branch details at a glance

Mughalsarai branch overview

Located at G.T.ROAD., BECHUPUR, MUGHALSARAI, DIST. CHANDAULI, CHANDAULI ,UTTAR PRADESH PIN 232101, the Mughalsarai branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0002123 is required for all interbank electronic transfers routed through this branch.

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 MUGHALSARAI branch came to be assigned the code UCBA0002123.

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 UCBA0002123, money simply cannot be routed to the MUGHALSARAI branch electronically.

Products and account variants supported

Every account opened at the Mughalsarai branch is mapped to IFSC UCBA0002123 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 UCBA0002123.

Products and services

Customers walking into the Mughalsarai 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 UCBA0002123

How to transfer money using IFSC UCBA0002123

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 UCBA0002123 across all three.

NEFT to UCO Bank, MUGHALSARAI using IFSC UCBA0002123

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 UCBA0002123, and confirm that the system picks up UCO Bank – MUGHALSARAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UCBA0002123

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 – MUGHALSARAI, ensure your bank's portal accepts IFSC UCBA0002123 while registering the beneficiary. RTGS is also available 24x7.

IMPS to UCO Bank MUGHALSARAI (IFSC UCBA0002123)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0002123 in your mobile or internet banking app, and the money is credited to the MUGHALSARAI branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UCBA0002123 for UCO Bank – MUGHALSARAI, 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 Mughalsarai 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 UCBA0002123

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 – MUGHALSARAI is still mapped to IFSC UCBA0002123. 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 UCBA0002123 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UCBA0002123

UCO Bank customers can register for net banking and the bank's official mobile app once their account at the MUGHALSARAI 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 UCBA0002123 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 Mughalsarai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0002123 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 – MUGHALSARAI:

• The IFSC is exactly UCBA0002123 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 MUGHALSARAI 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.

How to reach the Mughalsarai branch

The branch is located at G.T.ROAD., BECHUPUR, MUGHALSARAI, DIST. CHANDAULI, CHANDAULI ,UTTAR PRADESH PIN 232101, which puts it inside Mughalsarai, the broader Chandauli district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “UCO Bank Mughalsarai branch” — the verified location pin for IFSC UCBA0002123 should appear at the top of the results.
2. Confirm the branch is open by calling 5412-2255206 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC UCBA0002123 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UCBA0002123 for UCO Bank – MUGHALSARAI, 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 Mughalsarai branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0002123, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: UCBA0002123 is the IFSC code of UCO Bank, MUGHALSARAI branch, in MUGHALSARAI, UTTAR 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.