If you are searching for the IFSC code of UCO Bank, MAKAUDA branch in NOIDA, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is UCBA0003134. 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 MAKAUDA branch, and detailed step-by-step guides for using the IFSC UCBA0003134 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 – MAKAUDA is UCBA0003134. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003134 map to this branch in NOIDA, UTTAR PRADESH.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Makauda |
| IFSC Code | UCBA0003134 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILLAGE MAKAUDA POST PALI DISTRICT GAUTAMBUDHNAGAR GREATER NOIDA ,GAUTAM BUDDHA NAGAR ,UTTAR PRADESH PIN 203207 |
| City | Noida |
| District | Gautam Buddha Nagar |
| State | Uttar Pradesh |
| STD Code | 120 |
| Phone | 24622488 |
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Makauda branch in Noida, Uttar Pradesh is part of this network and uses the IFSC code UCBA0003134 for all electronic settlement.
Makauda branch overview
Located at VILLAGE MAKAUDA POST PALI DISTRICT GAUTAMBUDHNAGAR GREATER NOIDA ,GAUTAM BUDDHA NAGAR ,UTTAR PRADESH PIN 203207, the Makauda branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0003134 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 MAKAUDA branch came to be assigned the code UCBA0003134.
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 UCBA0003134, money simply cannot be routed to the MAKAUDA branch electronically.
How to transfer money using IFSC UCBA0003134
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 UCBA0003134 across all three.
How to use IFSC UCBA0003134 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's MAKAUDA 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 UCBA0003134.
- Confirm the bank name auto-populates as UCO Bank and the branch as MAKAUDA.
- 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 MAKAUDA
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's MAKAUDA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0003134 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 – MAKAUDA, use IMPS. With IFSC UCBA0003134 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Makauda
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 UCBA0003134:
- 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 MAKAUDA is still linked to IFSC UCBA0003134.
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 UCBA0003134
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 – MAKAUDA is still mapped to IFSC UCBA0003134. 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 UCBA0003134 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Makauda branch is mapped to IFSC UCBA0003134 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 UCBA0003134.
Banking services available
The Makauda branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 120-24622488.
- 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 UCBA0003134
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 UCBA0003134 and the account number together uniquely identify the Makauda branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Makauda 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 UCBA0003134 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 – MAKAUDA:
- The IFSC is exactly UCBA0003134 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 MAKAUDA 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 Makauda branch
The branch is located at VILLAGE MAKAUDA POST PALI DISTRICT GAUTAMBUDHNAGAR GREATER NOIDA ,GAUTAM BUDDHA NAGAR ,UTTAR PRADESH PIN 203207, which puts it inside Noida, the broader Gautam Buddha Nagar district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Makauda branch” — the verified location pin for IFSC UCBA0003134 should appear at the top of the results.
- Confirm the branch is open by calling 120-24622488 before stepping out, especially around public holidays.
- 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 UCBA0003134 and your account number.
Verifying IFSC UCBA0003134 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 UCBA0003134 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 120-24622488.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Makauda 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 UCBA0003134 continue to work without interruption.
Branch address & contact
UCO BankMakauda Branch
VILLAGE MAKAUDA POST PALI DISTRICT GAUTAMBUDHNAGAR GREATER NOIDA ,GAUTAM BUDDHA NAGAR ,UTTAR PRADESH PIN 203207
Noida, Uttar Pradesh
Phone: 120-24622488
IFSC: UCBA0003134
Frequently asked questions
Can I use IFSC UCBA0003134 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0003134 to send funds instantly.
Does UCO Bank Makauda branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 120-24622488 to confirm.
Is IFSC UCBA0003134 the same for all accounts at Makauda branch?
Yes. The IFSC UCBA0003134 is shared by every account held at UCO Bank's Makauda branch. Only the account number changes from customer to customer.
How do I add UCO Bank Makauda as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0003134, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UCBA0003134 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Makauda reflect within 30 minutes.
Is IFSC UCBA0003134 valid for NEFT and RTGS?
Yes. IFSC UCBA0003134 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 Makauda branch but serve different purposes.
Where is UCO Bank Makauda branch located?
UCO Bank's Makauda branch is located at VILLAGE MAKAUDA POST PALI DISTRICT GAUTAMBUDHNAGAR GREATER NOIDA ,GAUTAM BUDDHA NAGAR ,UTTAR PRADESH PIN 203207, Noida, Uttar Pradesh.
Summary
The IFSC code UCBA0003134 belongs to UCO Bank's MAKAUDA branch, located at VILLAGE MAKAUDA POST PALI DISTRICT GAUTAMBUDHNAGAR GREATER NOIDA ,GAUTAM… in NOIDA, UTTAR PRADESH. 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.
