Use this page as a one-stop reference for everything related to UCO Bank's RAIPUR branch in RAIPUR, UTTARAKHAND. The branch's IFSC code UCBA0002873 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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, UCBA0002873 is the IFSC of UCO Bank's RAIPUR branch. The format is fixed: UCBA = bank code, 0 = reserved, 002873 = branch identifier.
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Raipur branch in Raipur, Uttarakhand is part of this network and uses the IFSC code UCBA0002873 for all electronic settlement.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Raipur |
| IFSC Code | UCBA0002873 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NEAR SHIV MANDIR RAIPUR, DEHRADUN ,DEHRA DUN ,UTTARAKHAND PIN 248008 |
| City | Raipur |
| District | Dehra Dun |
| State | Uttarakhand |
| STD Code | 91 |
| Phone | 9627307444 |
About this branch
The branch is located at NEAR SHIV MANDIR RAIPUR, DEHRADUN ,DEHRA DUN ,UTTARAKHAND PIN 248008. It serves the Raipur 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 UCBA0002873 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 RAIPUR of UCO Bank — its own 11-character IFSC. The code UCBA0002873 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 UCBA0002873 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Raipur branch is mapped to IFSC UCBA0002873 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 UCBA0002873.
Products and services
Customers walking into the Raipur 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 UCBA0002873
How to transfer money using IFSC UCBA0002873
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 UCBA0002873 across all three.
How to use IFSC UCBA0002873 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's RAIPUR 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 UCBA0002873.
- Confirm the bank name auto-populates as UCO Bank and the branch as RAIPUR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UCBA0002873
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 – RAIPUR, ensure your bank's portal accepts IFSC UCBA0002873 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – RAIPUR, use IMPS. With IFSC UCBA0002873 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 Raipur
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 UCBA0002873:
- 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 RAIPUR is still linked to IFSC UCBA0002873.
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 UCBA0002873
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 – RAIPUR is still mapped to IFSC UCBA0002873. 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 UCBA0002873 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 Raipur 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 UCBA0002873 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 & cheque-truncation details
Cheques drawn on the Raipur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0002873 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC UCBA0002873
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to UCO Bank – RAIPUR, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
UCBA0002873. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
How to reach the Raipur branch
The branch is located at NEAR SHIV MANDIR RAIPUR, DEHRADUN ,DEHRA DUN ,UTTARAKHAND PIN 248008, which puts it inside Raipur, the broader Dehra Dun district, and the state of Uttarakhand. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Raipur branch” — the verified location pin for IFSC UCBA0002873 should appear at the top of the results.
- Confirm the branch is open by calling 91-9627307444 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 UCBA0002873 and your account number.
Verifying IFSC UCBA0002873 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 UCBA0002873 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9627307444.
- Visiting the bank's official branch locator page.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Raipur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0002873, however, work 24x7.
Branch address & contact
UCO BankRaipur Branch
NEAR SHIV MANDIR RAIPUR, DEHRADUN ,DEHRA DUN ,UTTARAKHAND PIN 248008
Raipur, Uttarakhand
Phone: 91-9627307444
IFSC: UCBA0002873
Frequently asked questions
Does UCO Bank Raipur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9627307444 to confirm.
How quickly will an NEFT transfer using UCBA0002873 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Raipur reflect within 30 minutes.
What is the phone number of UCO Bank Raipur branch?
You can reach the branch at 91-9627307444 during regular banking hours.
Is IFSC UCBA0002873 valid for NEFT and RTGS?
Yes. IFSC UCBA0002873 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC UCBA0002873 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0002873 to send funds instantly.
Where is UCO Bank Raipur branch located?
UCO Bank's Raipur branch is located at NEAR SHIV MANDIR RAIPUR, DEHRADUN ,DEHRA DUN ,UTTARAKHAND PIN 248008, Raipur, Uttarakhand.
How do I add UCO Bank Raipur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0002873, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UCBA0002873 the same for all accounts at Raipur branch?
Yes. The IFSC UCBA0002873 is shared by every account held at UCO Bank's Raipur branch. Only the account number changes from customer to customer.
Summary
The IFSC code UCBA0002873 belongs to UCO Bank's RAIPUR branch, located at NEAR SHIV MANDIR RAIPUR, DEHRADUN ,DEHRA DUN ,UTTARAKHAND PIN 248008 in RAIPUR, UTTARAKHAND. 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.
