IFSC Code of UCO Bank, Sarwania Maharaj Branch, Madhya Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for UCO Bank, SARWANIA MAHARAJ branch in NEEMUCH. The 11-digit IFSC UCBA0001092 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with UCO Bank at the SARWANIA MAHARAJ location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, UCBA0001092 is the IFSC of UCO Bank's SARWANIA MAHARAJ branch. The format is fixed: UCBA = bank code, 0 = reserved, 001092 = branch identifier.

About UCO Bank

UCO Bank operates a wide network of branches across India, including the Sarwania Maharaj branch in Neemuch. 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, UCBA0001092.

Branch details at a glance

About the Sarwania Maharaj branch

The Sarwania Maharaj branch of UCO Bank is situated at VILL POST SARWANIA MAHARAJ, SARWANIA BUS STAND, TH JAWAD, NEEMUCH ,MADHYA PRADESH PIN 458220. 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 UCBA0001092 is used.

Why every UCO Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including SARWANIA MAHARAJ of UCO Bank — its own 11-character IFSC. The code UCBA0001092 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC UCBA0001092 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Sarwania Maharaj branch

Once you have an account at UCO Bank – SARWANIA MAHARAJ, the IFSC UCBA0001092 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.

Banking services available

The Sarwania Maharaj branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 7423-255524.

• 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 UCBA0001092

How to transfer money using IFSC UCBA0001092

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 UCBA0001092 across all three.

NEFT to UCO Bank, SARWANIA MAHARAJ using IFSC UCBA0001092

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 UCBA0001092, and confirm that the system picks up UCO Bank – SARWANIA MAHARAJ. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UCBA0001092

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 – SARWANIA MAHARAJ, ensure your bank's portal accepts IFSC UCBA0001092 while registering the beneficiary. RTGS is also available 24x7.

IMPS to UCO Bank SARWANIA MAHARAJ (IFSC UCBA0001092)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0001092 in your mobile or internet banking app, and the money is credited to the SARWANIA MAHARAJ branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UCBA0001092 for UCO Bank – SARWANIA MAHARAJ, 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 Sarwania Maharaj 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 UCBA0001092

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 – SARWANIA MAHARAJ is still mapped to IFSC UCBA0001092. 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 UCBA0001092 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Sarwania Maharaj 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 UCBA0001092 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 UCBA0001092 and the account number together uniquely identify the Sarwania Maharaj branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – SARWANIA MAHARAJ:

• The IFSC is exactly UCBA0001092 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 SARWANIA MAHARAJ 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.

How to reach the Sarwania Maharaj branch

The branch is located at VILL POST SARWANIA MAHARAJ, SARWANIA BUS STAND, TH JAWAD, NEEMUCH ,MADHYA PRADESH PIN 458220, which puts it inside Neemuch, the broader Neemuch district, and the state of Madhya Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “UCO Bank Sarwania Maharaj branch” — the verified location pin for IFSC UCBA0001092 should appear at the top of the results.
2. Confirm the branch is open by calling 7423-255524 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 UCBA0001092 and your account number.

Verifying IFSC UCBA0001092 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 UCBA0001092 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 7423-255524.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Sarwania Maharaj 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 UCBA0001092 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UCBA0001092 is the IFSC code of UCO Bank, SARWANIA MAHARAJ branch, in NEEMUCH, MADHYA PRADESH. 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.