IFSC Code of UCO Bank, Shillai Branch, Himachal Pradesh

Use this page as a one-stop reference for everything related to UCO Bank's SHILLAI branch in SHILLAI, HIMACHAL PRADESH. The branch's IFSC code UCBA0000762 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, UCBA0000762 is the IFSC of UCO Bank's SHILLAI branch. The format is fixed: UCBA = bank code, 0 = reserved, 000762 = branch identifier.

Branch details at a glance

About UCO Bank

UCO Bank operates a wide network of branches across India, including the Shillai branch in Shillai. 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, UCBA0000762.

About this branch

The branch is located at VILLAGE AND P.O.SHILLAI, SIRMAUR ,HIMACHAL PRADESH PIN 173027. It serves the Shillai 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 UCBA0000762 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 SHILLAI branch came to be assigned the code UCBA0000762.

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 UCBA0000762, money simply cannot be routed to the SHILLAI branch electronically.

How to transfer money using IFSC UCBA0000762

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 UCBA0000762 across all three.

How to use IFSC UCBA0000762 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's SHILLAI 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 UCBA0000762.
4. Confirm the bank name auto-populates as UCO Bank and the branch as SHILLAI.
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 SHILLAI

If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's SHILLAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0000762 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 – SHILLAI, use IMPS. With IFSC UCBA0000762 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 UCBA0000762 for UCO Bank – SHILLAI, 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.

For most retail customers crediting the Shillai 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.

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 SHILLAI branch, the IFSC UCBA0000762 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.

Products and account variants supported

Every account opened at the Shillai branch is mapped to IFSC UCBA0000762 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 UCBA0000762.

Products and services

Customers walking into the Shillai 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 UCBA0000762

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 UCBA0000762 and the account number together uniquely identify the Shillai 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 Shillai 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 UCBA0000762 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.

Common mistakes to avoid when using IFSC UCBA0000762

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 – SHILLAI, 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: UCBA0000762.
• 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 Shillai branch

The branch is located at VILLAGE AND P.O.SHILLAI, SIRMAUR ,HIMACHAL PRADESH PIN 173027, which puts it inside Shillai, the broader Sirmaur district, and the state of Himachal Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “UCO Bank Shillai branch” — the verified location pin for IFSC UCBA0000762 should appear at the top of the results.
2. Confirm the branch is open by calling 1702-278540 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 UCBA0000762 and your account number.

Verifying IFSC UCBA0000762 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 UCBA0000762 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1702-278540.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Shillai 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 UCBA0000762 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UCBA0000762 belongs to UCO Bank's SHILLAI branch, located at VILLAGE AND P.O.SHILLAI, SIRMAUR ,HIMACHAL PRADESH PIN 173027 in SHILLAI, HIMACHAL 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.