IFSC Code of UCO Bank, Gidc Rajkot Branch, Gujarat

Use this page as a one-stop reference for everything related to UCO Bank's GIDC RAJKOT branch in RAJKOT, GUJARAT. The branch's IFSC code UCBA0003541 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.

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 – GIDC RAJKOT is UCBA0003541. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003541 map to this branch in RAJKOT, GUJARAT.

About UCO Bank

UCO Bank operates a wide network of branches across India, including the Gidc Rajkot branch in Rajkot. 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, UCBA0003541.

Branch details at a glance

About this branch

The branch is located at PARTH MOTOR, DHEBAR ROAD(SOUTH), GHANSHYAM INDUSTRIAL AREA, RAJKOT, GUJARAT - 360001. It serves the Rajkot 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 UCBA0003541 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 GIDC RAJKOT branch came to be assigned the code UCBA0003541.

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 UCBA0003541, money simply cannot be routed to the GIDC RAJKOT branch electronically.

Products and account variants supported

Every account opened at the Gidc Rajkot branch is mapped to IFSC UCBA0003541 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 UCBA0003541.

Banking services available

The Gidc Rajkot branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 79-40176916.

• 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 UCBA0003541

How to transfer money using IFSC UCBA0003541

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 UCBA0003541 across all three.

How to use IFSC UCBA0003541 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's GIDC RAJKOT 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UCBA0003541.
4. Confirm the bank name auto-populates as UCO Bank and the branch as GIDC RAJKOT.
5. 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 GIDC RAJKOT

If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's GIDC RAJKOT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0003541 while initiating the transfer and the credit will appear within minutes.

IMPS to UCO Bank GIDC RAJKOT (IFSC UCBA0003541)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0003541 in your mobile or internet banking app, and the money is credited to the GIDC RAJKOT branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Gidc Rajkot

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 UCBA0003541:

• 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 GIDC RAJKOT is still linked to IFSC UCBA0003541.

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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at UCO Bank's GIDC RAJKOT branch, the IFSC UCBA0003541 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Digital banking channels

Most day-to-day work that customers used to do at the Gidc Rajkot 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 UCBA0003541 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 UCBA0003541 and the account number together uniquely identify the Gidc Rajkot 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 – GIDC RAJKOT:

• The IFSC is exactly UCBA0003541 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 GIDC RAJKOT 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 Gidc Rajkot branch

The branch is located at PARTH MOTOR, DHEBAR ROAD(SOUTH), GHANSHYAM INDUSTRIAL AREA, RAJKOT, GUJARAT - 360001, which puts it inside Rajkot, the broader Rajkot district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “UCO Bank Gidc Rajkot branch” — the verified location pin for IFSC UCBA0003541 should appear at the top of the results.
2. Confirm the branch is open by calling 79-40176916 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 UCBA0003541 and your account number.

Verifying IFSC UCBA0003541 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 UCBA0003541 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 79-40176916.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Gidc Rajkot 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 UCBA0003541 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UCBA0003541 belongs to UCO Bank's GIDC RAJKOT branch, located at PARTH MOTOR, DHEBAR ROAD(SOUTH), GHANSHYAM INDUSTRIAL AREA, RAJKOT, GUJARAT -… in RAJKOT, GUJARAT. 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.