IFSC Code of UCO Bank, Wardhaman Nagar Branch, Maharashtra

Below are the complete branch details for UCO Bank, WARDHAMAN NAGAR branch, located in NAGPUR, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is UCBA0002194. 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 UCBA0002194 for UCO Bank – WARDHAMAN NAGAR — 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 – WARDHAMAN NAGAR is UCBA0002194. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002194 map to this branch in NAGPUR, MAHARASHTRA.

Bank profile

UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Wardhaman Nagar branch — IFSC UCBA0002194 — extends the bank's services to customers in and around Nagpur, Maharashtra.

Wardhaman Nagar branch overview

Located at PLOT NO.935, DESHPANDE LAYOUT, VAISHNAVI DEVI SQUARE, C.A. ROAD,NAGPUR ,NAGPUR ,MAHARASHTRA PIN 440008, the Wardhaman Nagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0002194 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 WARDHAMAN NAGAR branch came to be assigned the code UCBA0002194.

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 UCBA0002194, money simply cannot be routed to the WARDHAMAN NAGAR branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Wardhaman Nagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0002194 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 UCBA0002194

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 UCBA0002194 across all three.

How to use IFSC UCBA0002194 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's WARDHAMAN NAGAR 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 UCBA0002194.
4. Confirm the bank name auto-populates as UCO Bank and the branch as WARDHAMAN NAGAR.
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 WARDHAMAN NAGAR

If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's WARDHAMAN NAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0002194 while initiating the transfer and the credit will appear within minutes.

IMPS to UCO Bank WARDHAMAN NAGAR (IFSC UCBA0002194)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0002194 in your mobile or internet banking app, and the money is credited to the WARDHAMAN NAGAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Wardhaman Nagar

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 UCBA0002194:

• 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 WARDHAMAN NAGAR is still linked to IFSC UCBA0002194.

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 WARDHAMAN NAGAR branch, the IFSC UCBA0002194 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 Wardhaman Nagar branch is mapped to IFSC UCBA0002194 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 UCBA0002194.

Products and services

Customers walking into the Wardhaman Nagar 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 UCBA0002194

Online banking and IFSC UCBA0002194

UCO Bank customers can register for net banking and the bank's official mobile app once their account at the WARDHAMAN NAGAR 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 UCBA0002194 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.

Reaching the branch

The Wardhaman Nagar branch sits at PLOT NO.935, DESHPANDE LAYOUT, VAISHNAVI DEVI SQUARE, C.A. ROAD,NAGPUR ,NAGPUR ,MAHARASHTRA PIN 440008. If you are travelling from outside Nagpur, search for the branch on a maps application using the bank name and locality, or call 712-2770885 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 UCBA0002194 and your account number.

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 – WARDHAMAN NAGAR:

• The IFSC is exactly UCBA0002194 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 WARDHAMAN NAGAR 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.

Working hours

Branch counters at Wardhaman Nagar 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 UCBA0002194 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UCBA0002194 for UCO Bank – WARDHAMAN NAGAR, 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 address & contact

Frequently asked questions

Summary

The IFSC code UCBA0002194 belongs to UCO Bank's WARDHAMAN NAGAR branch, located at PLOT NO.935, DESHPANDE LAYOUT, VAISHNAVI DEVI SQUARE, C.A. ROAD,NAGPUR ,NAGPUR… 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.