IFSC Code of UCO Bank, Itwari Nagpur Branch, Maharashtra

Use this page as a one-stop reference for everything related to UCO Bank's ITWARI NAGPUR branch in NAGPUR, MAHARASHTRA. The branch's IFSC code UCBA0000039 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 – ITWARI NAGPUR is UCBA0000039. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000039 map to this branch in NAGPUR, MAHARASHTRA.

About UCO Bank

UCO Bank operates a wide network of branches across India, including the Itwari Nagpur branch in Nagpur. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UCBA0000039.

Branch details at a glance

Itwari Nagpur branch overview

Located at FIRST FLOOR SALASAR PLAZA NORTH GANDHIBAG ITWARI NAGPUR ,NAGPUR ,MAHARASHTRA PIN 440002, the Itwari Nagpur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0000039 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 ITWARI NAGPUR branch came to be assigned the code UCBA0000039.

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 UCBA0000039, money simply cannot be routed to the ITWARI NAGPUR branch electronically.

Products and account variants supported

Every account opened at the Itwari Nagpur branch is mapped to IFSC UCBA0000039 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 UCBA0000039.

Banking services available

The Itwari Nagpur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 712-2767277.

• 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 UCBA0000039

How to transfer money using IFSC UCBA0000039

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 UCBA0000039 across all three.

How to use IFSC UCBA0000039 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's ITWARI NAGPUR 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UCBA0000039.
4. Confirm the bank name auto-populates as UCO Bank and the branch as ITWARI NAGPUR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to ITWARI NAGPUR

If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's ITWARI NAGPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0000039 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to UCO Bank – ITWARI NAGPUR, use IMPS. With IFSC UCBA0000039 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 UCBA0000039 for UCO Bank – ITWARI NAGPUR, 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 Itwari Nagpur 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 ITWARI NAGPUR branch, the IFSC UCBA0000039 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.

Digital banking channels

Most day-to-day work that customers used to do at the Itwari Nagpur 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 UCBA0000039 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.

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 UCBA0000039 and the account number together uniquely identify the Itwari Nagpur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC UCBA0000039

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 – ITWARI NAGPUR, 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: UCBA0000039.
• 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.

How to reach the Itwari Nagpur branch

The branch is located at FIRST FLOOR SALASAR PLAZA NORTH GANDHIBAG ITWARI NAGPUR ,NAGPUR ,MAHARASHTRA PIN 440002, which puts it inside Nagpur, the broader Nagpur district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “UCO Bank Itwari Nagpur branch” — the verified location pin for IFSC UCBA0000039 should appear at the top of the results.
2. Confirm the branch is open by calling 712-2767277 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 UCBA0000039 and your account number.

Verifying IFSC UCBA0000039 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 UCBA0000039 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 712-2767277.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Itwari Nagpur 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 UCBA0000039 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UCBA0000039 is the IFSC code of UCO Bank, ITWARI NAGPUR branch, in NAGPUR, MAHARASHTRA. 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.