This page lists the IFSC code, branch address, contact number and fund-transfer information for UCO Bank, PRASHADEPUR branch in PARSHADEPUR. The 11-digit IFSC UCBA0002946 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 PRASHADEPUR 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, UCBA0002946 is the IFSC of UCO Bank's PRASHADEPUR branch. The format is fixed: UCBA = bank code, 0 = reserved, 002946 = branch identifier.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Prashadepur |
| IFSC Code | UCBA0002946 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HOUSE NO. 182, WARD NO. 7 SALON ,RAI BARELI ,UTTAR PRADESH PIN 229129 |
| City | Parshadepur |
| District | Rai Bareli |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 8545087220 |
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Prashadepur branch in Parshadepur. 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, UCBA0002946.
About this branch
The branch is located at HOUSE NO. 182, WARD NO. 7 SALON ,RAI BARELI ,UTTAR PRADESH PIN 229129. It serves the Parshadepur 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 UCBA0002946 is used to identify this branch on the RBI payments network.
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 PRASHADEPUR of UCO Bank — its own 11-character IFSC. The code UCBA0002946 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 UCBA0002946 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC UCBA0002946
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 UCBA0002946 across all three.
How to use IFSC UCBA0002946 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's PRASHADEPUR 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 UCBA0002946.
- Confirm the bank name auto-populates as UCO Bank and the branch as PRASHADEPUR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UCBA0002946
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 – PRASHADEPUR, ensure your bank's portal accepts IFSC UCBA0002946 while registering the beneficiary. RTGS is also available 24x7.
IMPS to UCO Bank PRASHADEPUR (IFSC UCBA0002946)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0002946 in your mobile or internet banking app, and the money is credited to the PRASHADEPUR branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Prashadepur
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 UCBA0002946:
- 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 PRASHADEPUR is still linked to IFSC UCBA0002946.
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 UCBA0002946
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 – PRASHADEPUR is still mapped to IFSC UCBA0002946. 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 UCBA0002946 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Prashadepur branch is mapped to IFSC UCBA0002946 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 UCBA0002946.
Banking services available
The Prashadepur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8545087220.
- 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 UCBA0002946
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 UCBA0002946 and the account number together uniquely identify the Prashadepur 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 Prashadepur 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 UCBA0002946 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 – PRASHADEPUR:
- The IFSC is exactly UCBA0002946 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 PRASHADEPUR 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 Prashadepur branch sits at HOUSE NO. 182, WARD NO. 7 SALON ,RAI BARELI ,UTTAR PRADESH PIN 229129. If you are travelling from outside Parshadepur, search for the branch on a maps application using the bank name and locality, or call 91-8545087220 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 UCBA0002946 and your account number.
Verifying IFSC UCBA0002946 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 UCBA0002946 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-8545087220.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Prashadepur 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 UCBA0002946 continue to work without interruption.
Branch address & contact
UCO BankPrashadepur Branch
HOUSE NO. 182, WARD NO. 7 SALON ,RAI BARELI ,UTTAR PRADESH PIN 229129
Parshadepur, Uttar Pradesh
Phone: 91-8545087220
IFSC: UCBA0002946
Frequently asked questions
How quickly will an NEFT transfer using UCBA0002946 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Prashadepur reflect within 30 minutes.
Does UCO Bank Prashadepur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-8545087220 to confirm.
Can I use IFSC UCBA0002946 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0002946 to send funds instantly.
Is IFSC UCBA0002946 valid for NEFT and RTGS?
Yes. IFSC UCBA0002946 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 Prashadepur branch but serve different purposes.
How do I add UCO Bank Prashadepur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0002946, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of UCO Bank Prashadepur branch?
The IFSC code of UCO Bank, Prashadepur branch is UCBA0002946. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code UCBA0002946 belongs to UCO Bank's PRASHADEPUR branch, located at HOUSE NO. 182, WARD NO. 7 SALON ,RAI BARELI ,UTTAR PRADESH PIN 229129 in PARSHADEPUR, 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.
