Below are the complete branch details for UCO Bank, BESA branch, located in NAGPUR, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is UCBA0003704. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UCBA0003704 for UCO Bank – BESA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – BESA is UCBA0003704. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003704 map to this branch in NAGPUR, MAHARASHTRA.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Besa |
| IFSC Code | UCBA0003704 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHOP NO 6,7,8,9 AND 10, SHREE LAXMI PRIDE ,KH NO 191,AT BESA ,PO BESA ,MOUZA PIPLA,DIST NAGPUR , MAHARASHTRA 440037 |
| City | Nagpur |
| District | Nagpur |
| State | Maharashtra |
| STD Code | 712 |
| Phone | 2530442 |
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Besa branch in Nagpur, Maharashtra is part of this network and uses the IFSC code UCBA0003704 for all electronic settlement.
About this branch
The branch is located at SHOP NO 6,7,8,9 AND 10, SHREE LAXMI PRIDE ,KH NO 191,AT BESA ,PO BESA ,MOUZA PIPLA,DIST NAGPUR , MAHARASHTRA 440037. It serves the Nagpur 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 UCBA0003704 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 BESA of UCO Bank — its own 11-character IFSC. The code UCBA0003704 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 UCBA0003704 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 UCBA0003704
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 UCBA0003704 across all three.
NEFT to UCO Bank, BESA using IFSC UCBA0003704
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 UCBA0003704, and confirm that the system picks up UCO Bank – BESA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0003704
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 – BESA, ensure your bank's portal accepts IFSC UCBA0003704 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – BESA, use IMPS. With IFSC UCBA0003704 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Besa
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 UCBA0003704:
- 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 BESA is still linked to IFSC UCBA0003704.
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 BESA branch, the IFSC UCBA0003704 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 Besa branch is mapped to IFSC UCBA0003704 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 UCBA0003704.
Products and services
Customers walking into the Besa 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 UCBA0003704
MICR & cheque-truncation details
Cheques drawn on the Besa branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0003704 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 Besa 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 UCBA0003704 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 – BESA:
- The IFSC is exactly UCBA0003704 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 BESA 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 Besa branch sits at SHOP NO 6,7,8,9 AND 10, SHREE LAXMI PRIDE ,KH NO 191,AT BESA ,PO BESA ,MOUZA PIPLA,DIST NAGPUR , MAHARASHTRA 440037. If you are travelling from outside Nagpur, search for the branch on a maps application using the bank name and locality, or call 712-2530442 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 UCBA0003704 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0003704 for UCO Bank – BESA, 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 Besa branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0003704, however, work 24x7.
Branch address & contact
UCO BankBesa Branch
SHOP NO 6,7,8,9 AND 10, SHREE LAXMI PRIDE ,KH NO 191,AT BESA ,PO BESA ,MOUZA PIPLA,DIST NAGPUR , MAHARASHTRA 440037
Nagpur, Maharashtra
Phone: 712-2530442
IFSC: UCBA0003704
Frequently asked questions
What is the IFSC code of UCO Bank Besa branch?
The IFSC code of UCO Bank, Besa branch is UCBA0003704. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using UCBA0003704 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Besa reflect within 30 minutes.
How do I add UCO Bank Besa as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0003704, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UCBA0003704 valid for NEFT and RTGS?
Yes. IFSC UCBA0003704 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC UCBA0003704 the same for all accounts at Besa branch?
Yes. The IFSC UCBA0003704 is shared by every account held at UCO Bank's Besa branch. Only the account number changes from customer to customer.
Can I use IFSC UCBA0003704 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0003704 to send funds instantly.
Summary
The IFSC code UCBA0003704 belongs to UCO Bank's BESA branch, located at SHOP NO 6,7,8,9 AND 10, SHREE LAXMI PRIDE ,KH NO 191,AT BESA ,PO BESA ,MOUZA… in NAGPUR, MAHARASHTRA. 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.
