Below are the complete branch details for UCO Bank, PATIALA MAIN branch, located in PATIALA, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is UCBA0000103. 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 UCBA0000103 for UCO Bank – PATIALA MAIN — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, UCBA0000103 is the IFSC of UCO Bank's PATIALA MAIN branch. The format is fixed: UCBA = bank code, 0 = reserved, 000103 = branch identifier.
Bank profile
UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Patiala Main branch — IFSC UCBA0000103 — extends the bank's services to customers in and around Patiala, Punjab.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Patiala Main |
| IFSC Code | UCBA0000103 |
| MICR Code | Refer to cheque leaf |
| Branch Address | S.C.O.NO.7,8,, LIC BUILDING CHOTTI BARADARI, PATIALA ,PATIALA ,PUNJAB PIN 147001 |
| City | Patiala |
| District | Patiala |
| State | Punjab |
| STD Code | 175 |
| Phone | 2227272 |
About this branch
The branch is located at S.C.O.NO.7,8,, LIC BUILDING CHOTTI BARADARI, PATIALA ,PATIALA ,PUNJAB PIN 147001. It serves the Patiala 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 UCBA0000103 is used to identify this branch on the RBI payments network.
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 PATIALA MAIN branch came to be assigned the code UCBA0000103.
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 UCBA0000103, money simply cannot be routed to the PATIALA MAIN branch electronically.
Products and account variants supported
Every account opened at the Patiala Main branch is mapped to IFSC UCBA0000103 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 UCBA0000103.
Products and services
Customers walking into the Patiala Main 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 UCBA0000103
How to transfer money using IFSC UCBA0000103
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 UCBA0000103 across all three.
NEFT to UCO Bank, PATIALA MAIN using IFSC UCBA0000103
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 UCBA0000103, and confirm that the system picks up UCO Bank – PATIALA MAIN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0000103
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 – PATIALA MAIN, ensure your bank's portal accepts IFSC UCBA0000103 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – PATIALA MAIN, use IMPS. With IFSC UCBA0000103 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0000103 for UCO Bank – PATIALA MAIN, 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 – UCBA0000103 | Yes – UCBA0000103 | Yes – UCBA0000103 |
For most retail customers crediting the Patiala Main 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 UCBA0000103
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 – PATIALA MAIN is still mapped to IFSC UCBA0000103. 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 UCBA0000103 and the beneficiary's account number to complete the transfer.
Online banking and IFSC UCBA0000103
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the PATIALA MAIN 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 UCBA0000103 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.
MICR & cheque-truncation details
Cheques drawn on the Patiala Main branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0000103 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – PATIALA MAIN:
- The IFSC is exactly UCBA0000103 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 PATIALA MAIN 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 Patiala Main branch
The branch is located at S.C.O.NO.7,8,, LIC BUILDING CHOTTI BARADARI, PATIALA ,PATIALA ,PUNJAB PIN 147001, which puts it inside Patiala, the broader Patiala district, and the state of Punjab. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Patiala Main branch” — the verified location pin for IFSC UCBA0000103 should appear at the top of the results.
- Confirm the branch is open by calling 175-2227272 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 UCBA0000103 and your account number.
Verifying IFSC UCBA0000103 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 UCBA0000103 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 175-2227272.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Patiala Main 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 UCBA0000103 continue to work without interruption.
Branch address & contact
UCO BankPatiala Main Branch
S.C.O.NO.7,8,, LIC BUILDING CHOTTI BARADARI, PATIALA ,PATIALA ,PUNJAB PIN 147001
Patiala, Punjab
Phone: 175-2227272
IFSC: UCBA0000103
Frequently asked questions
Is IFSC UCBA0000103 the same for all accounts at Patiala Main branch?
Yes. The IFSC UCBA0000103 is shared by every account held at UCO Bank's Patiala Main branch. Only the account number changes from customer to customer.
What is the phone number of UCO Bank Patiala Main branch?
You can reach the branch at 175-2227272 during regular banking hours.
Can I use IFSC UCBA0000103 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0000103 to send funds instantly.
Does UCO Bank Patiala Main branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 175-2227272 to confirm.
What is the IFSC code of UCO Bank Patiala Main branch?
The IFSC code of UCO Bank, Patiala Main branch is UCBA0000103. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using UCBA0000103 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Patiala Main reflect within 30 minutes.
Final notes
To recap: UCBA0000103 is the IFSC code of UCO Bank, PATIALA MAIN branch, in PATIALA, PUNJAB. 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.
