If you are searching for the IFSC code of UCO Bank, ITAMATI branch in NAYAGARH, ODISHA, this page has every detail you need. The verified IFSC code for this branch is UCBA0000535. 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 ITAMATI branch, and detailed step-by-step guides for using the IFSC UCBA0000535 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 – ITAMATI is UCBA0000535. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000535 map to this branch in NAYAGARH, ODISHA.
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Itamati branch in Nayagarh, Odisha is part of this network and uses the IFSC code UCBA0000535 for all electronic settlement.
About this branch
The branch is located at VILL. PO ITAMATI DIST. NAYAGARH ,NAYAGARH ,ODISHA PIN 752068. It serves the Nayagarh 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 UCBA0000535 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Itamati |
| IFSC Code | UCBA0000535 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL. PO ITAMATI DIST. NAYAGARH ,NAYAGARH ,ODISHA PIN 752068 |
| City | Nayagarh |
| District | Nayagarh |
| State | Odisha |
| STD Code | 6753 |
| Phone | 256016 |
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 ITAMATI branch came to be assigned the code UCBA0000535.
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 UCBA0000535, money simply cannot be routed to the ITAMATI branch electronically.
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 UCBA0000535 and the account number together uniquely identify the Itamati branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UCBA0000535
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 UCBA0000535 across all three.
How to use IFSC UCBA0000535 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's ITAMATI 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 UCBA0000535.
- Confirm the bank name auto-populates as UCO Bank and the branch as ITAMATI.
- 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 ITAMATI
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's ITAMATI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0000535 while initiating the transfer and the credit will appear within minutes.
IMPS to UCO Bank ITAMATI (IFSC UCBA0000535)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0000535 in your mobile or internet banking app, and the money is credited to the ITAMATI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0000535 for UCO Bank – ITAMATI, 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 – UCBA0000535 | Yes – UCBA0000535 | Yes – UCBA0000535 |
For most retail customers crediting the Itamati 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 UCBA0000535
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 – ITAMATI is still mapped to IFSC UCBA0000535. 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 UCBA0000535 and the beneficiary's account number to complete the transfer.
Account types you can open at the Itamati branch
Once you have an account at UCO Bank – ITAMATI, the IFSC UCBA0000535 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Products and services
Customers walking into the Itamati 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 UCBA0000535
Online banking and IFSC UCBA0000535
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the ITAMATI 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 UCBA0000535 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 Itamati branch sits at VILL. PO ITAMATI DIST. NAYAGARH ,NAYAGARH ,ODISHA PIN 752068. If you are travelling from outside Nayagarh, search for the branch on a maps application using the bank name and locality, or call 6753-256016 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 UCBA0000535 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 – ITAMATI:
- The IFSC is exactly UCBA0000535 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 ITAMATI 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.
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 Itamati branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0000535, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0000535 for UCO Bank – ITAMATI, 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
UCO BankItamati Branch
VILL. PO ITAMATI DIST. NAYAGARH ,NAYAGARH ,ODISHA PIN 752068
Nayagarh, Odisha
Phone: 6753-256016
IFSC: UCBA0000535
Frequently asked questions
Can I use IFSC UCBA0000535 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0000535 to send funds instantly.
Is IFSC UCBA0000535 the same for all accounts at Itamati branch?
Yes. The IFSC UCBA0000535 is shared by every account held at UCO Bank's Itamati branch. Only the account number changes from customer to customer.
Does UCO Bank Itamati branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 6753-256016 to confirm.
What is the phone number of UCO Bank Itamati branch?
You can reach the branch at 6753-256016 during regular banking hours.
Is IFSC UCBA0000535 valid for NEFT and RTGS?
Yes. IFSC UCBA0000535 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add UCO Bank Itamati as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0000535, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UCBA0000535 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Itamati reflect within 30 minutes.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Itamati branch but serve different purposes.
Final notes
To recap: UCBA0000535 is the IFSC code of UCO Bank, ITAMATI branch, in NAYAGARH, ODISHA. 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.
