If you are searching for the IFSC code of UCO Bank, DHARAMPETH branch in NAGPUR, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is UCBA0003614. 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 DHARAMPETH branch, and detailed step-by-step guides for using the IFSC UCBA0003614 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.
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 – DHARAMPETH is UCBA0003614. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003614 map to this branch in NAGPUR, MAHARASHTRA.
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Dharampeth branch in Nagpur, Maharashtra is part of this network and uses the IFSC code UCBA0003614 for all electronic settlement.
Dharampeth branch overview
Located at H NO 115873, TILAK NAGAR, NEAR LOTUS BUILDING, DHARAMPETH, the Dharampeth branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0003614 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Dharampeth |
| IFSC Code | UCBA0003614 |
| MICR Code | Refer to cheque leaf |
| Branch Address | H NO 115873, TILAK NAGAR, NEAR LOTUS BUILDING, DHARAMPETH |
| City | Nagpur |
| District | Nagpur |
| State | Maharashtra |
| STD Code | 712 |
| Phone | 2539927 |
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 DHARAMPETH branch came to be assigned the code UCBA0003614.
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 UCBA0003614, money simply cannot be routed to the DHARAMPETH branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Dharampeth branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0003614 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC UCBA0003614
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 UCBA0003614 across all three.
How to use IFSC UCBA0003614 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's DHARAMPETH 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 UCBA0003614.
- Confirm the bank name auto-populates as UCO Bank and the branch as DHARAMPETH.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UCBA0003614
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 – DHARAMPETH, ensure your bank's portal accepts IFSC UCBA0003614 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – DHARAMPETH, use IMPS. With IFSC UCBA0003614 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0003614 for UCO Bank – DHARAMPETH, 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 – UCBA0003614 | Yes – UCBA0003614 | Yes – UCBA0003614 |
For most retail customers crediting the Dharampeth 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 DHARAMPETH branch, the IFSC UCBA0003614 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 Dharampeth branch is mapped to IFSC UCBA0003614 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 UCBA0003614.
Products and services
Customers walking into the Dharampeth 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 UCBA0003614
Digital banking channels
Most day-to-day work that customers used to do at the Dharampeth 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 UCBA0003614 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.
Reaching the branch
The Dharampeth branch sits at H NO 115873, TILAK NAGAR, NEAR LOTUS BUILDING, DHARAMPETH. If you are travelling from outside Nagpur, search for the branch on a maps application using the bank name and locality, or call 712-2539927 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 UCBA0003614 and your account number.
Common mistakes to avoid when using IFSC UCBA0003614
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 – DHARAMPETH, 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:
UCBA0003614. - 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.
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 Dharampeth branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0003614, however, work 24x7.
Verifying IFSC UCBA0003614 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 UCBA0003614 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 712-2539927.
- Visiting the bank's official branch locator page.
Branch address & contact
UCO BankDharampeth Branch
H NO 115873, TILAK NAGAR, NEAR LOTUS BUILDING, DHARAMPETH
Nagpur, Maharashtra
Phone: 712-2539927
IFSC: UCBA0003614
Frequently asked questions
Can I use IFSC UCBA0003614 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0003614 to send funds instantly.
Is IFSC UCBA0003614 valid for NEFT and RTGS?
Yes. IFSC UCBA0003614 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is UCO Bank Dharampeth branch located?
UCO Bank's Dharampeth branch is located at H NO 115873, TILAK NAGAR, NEAR LOTUS BUILDING, DHARAMPETH, Nagpur, Maharashtra.
How quickly will an NEFT transfer using UCBA0003614 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Dharampeth reflect within 30 minutes.
What is the phone number of UCO Bank Dharampeth branch?
You can reach the branch at 712-2539927 during regular banking hours.
What is the IFSC code of UCO Bank Dharampeth branch?
The IFSC code of UCO Bank, Dharampeth branch is UCBA0003614. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code UCBA0003614 belongs to UCO Bank's DHARAMPETH branch, located at H NO 115873, TILAK NAGAR, NEAR LOTUS BUILDING, DHARAMPETH 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.
