Below are the complete branch details for UCO Bank, NAYAGARH BRANCH branch, located in NAYAGARH, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is UCBA0001846. 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 UCBA0001846 for UCO Bank – NAYAGARH BRANCH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For UCO Bank's NAYAGARH BRANCH branch, the IFSC UCBA0001846 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 001846 identifies this particular branch.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Nayagarh Branch |
| IFSC Code | UCBA0001846 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT.NAYAGARH, P.O.NAYAGARH,DIST.NAYAGARH,PIN NO, NAYAGARH ,ODISHA PIN 752069 |
| City | Nayagarh |
| District | Nayagarh |
| State | Odisha |
| STD Code | 6753 |
| Phone | 253715 |
Bank profile
UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Nayagarh Branch branch — IFSC UCBA0001846 — extends the bank's services to customers in and around Nayagarh, Odisha.
About the Nayagarh Branch branch
The Nayagarh Branch branch of UCO Bank is situated at AT.NAYAGARH, P.O.NAYAGARH,DIST.NAYAGARH,PIN NO, NAYAGARH ,ODISHA PIN 752069. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code UCBA0001846 is used.
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 NAYAGARH BRANCH branch came to be assigned the code UCBA0001846.
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 UCBA0001846, money simply cannot be routed to the NAYAGARH BRANCH branch electronically.
How to transfer money using IFSC UCBA0001846
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 UCBA0001846 across all three.
NEFT to UCO Bank, NAYAGARH BRANCH using IFSC UCBA0001846
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 UCBA0001846, and confirm that the system picks up UCO Bank – NAYAGARH BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to NAYAGARH BRANCH
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's NAYAGARH BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0001846 while initiating the transfer and the credit will appear within minutes.
IMPS to UCO Bank NAYAGARH BRANCH (IFSC UCBA0001846)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0001846 in your mobile or internet banking app, and the money is credited to the NAYAGARH BRANCH branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Nayagarh Branch
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 UCBA0001846:
- 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 NAYAGARH BRANCH is still linked to IFSC UCBA0001846.
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.
UPI payments and IFSC UCBA0001846
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 – NAYAGARH BRANCH is still mapped to IFSC UCBA0001846. 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 UCBA0001846 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Nayagarh Branch branch is mapped to IFSC UCBA0001846 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 UCBA0001846.
Banking services available
The Nayagarh Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 6753-253715.
- 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 UCBA0001846
MICR & cheque-truncation details
Cheques drawn on the Nayagarh Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0001846 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 Nayagarh Branch 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 UCBA0001846 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 – NAYAGARH BRANCH:
- The IFSC is exactly UCBA0001846 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 NAYAGARH BRANCH 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 Nayagarh Branch branch sits at AT.NAYAGARH, P.O.NAYAGARH,DIST.NAYAGARH,PIN NO, NAYAGARH ,ODISHA PIN 752069. If you are travelling from outside Nayagarh, search for the branch on a maps application using the bank name and locality, or call 6753-253715 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 UCBA0001846 and your account number.
Verifying IFSC UCBA0001846 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 UCBA0001846 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 6753-253715.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Nayagarh Branch 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 UCBA0001846 continue to work without interruption.
Branch address & contact
UCO BankNayagarh Branch Branch
AT.NAYAGARH, P.O.NAYAGARH,DIST.NAYAGARH,PIN NO, NAYAGARH ,ODISHA PIN 752069
Nayagarh, Odisha
Phone: 6753-253715
IFSC: UCBA0001846
Frequently asked questions
How do I add UCO Bank Nayagarh Branch as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0001846, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UCBA0001846 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Nayagarh Branch reflect within 30 minutes.
Is IFSC UCBA0001846 valid for NEFT and RTGS?
Yes. IFSC UCBA0001846 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Nayagarh Branch branch but serve different purposes.
Where is UCO Bank Nayagarh Branch branch located?
UCO Bank's Nayagarh Branch branch is located at AT.NAYAGARH, P.O.NAYAGARH,DIST.NAYAGARH,PIN NO, NAYAGARH ,ODISHA PIN 752069, Nayagarh, Odisha.
Does UCO Bank Nayagarh Branch branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 6753-253715 to confirm.
What is the IFSC code of UCO Bank Nayagarh Branch branch?
The IFSC code of UCO Bank, Nayagarh Branch branch is UCBA0001846. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code UCBA0001846 belongs to UCO Bank's NAYAGARH BRANCH branch, located at AT.NAYAGARH, P.O.NAYAGARH,DIST.NAYAGARH,PIN NO, NAYAGARH ,ODISHA PIN 752069 in NAYAGARH, ODISHA. 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.
