Use this page as a one-stop reference for everything related to UCO Bank's BAIRAD branch in SHIVPUR, MADHYA PRADESH. The branch's IFSC code UCBA0001139 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.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For UCO Bank's BAIRAD branch, the IFSC UCBA0001139 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 001139 identifies this particular branch.
Bank profile
UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Bairad branch — IFSC UCBA0001139 — extends the bank's services to customers in and around Shivpur, Madhya Pradesh.
About the Bairad branch
The Bairad branch of UCO Bank is situated at SHEOPUR MOHNA ROAD BAIRAD ,SHIVPURI ,MADHYA PRADESH PIN 473793. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code UCBA0001139 is used.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Bairad |
| IFSC Code | UCBA0001139 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHEOPUR MOHNA ROAD BAIRAD ,SHIVPURI ,MADHYA PRADESH PIN 473793 |
| City | Shivpur |
| District | Ratlam |
| State | Madhya Pradesh |
| STD Code | 7492 |
| Phone | 284486 |
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 BAIRAD of UCO Bank — its own 11-character IFSC. The code UCBA0001139 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 UCBA0001139 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Bairad branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0001139 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC UCBA0001139
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 UCBA0001139 across all three.
How to use IFSC UCBA0001139 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's BAIRAD 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 UCBA0001139.
- Confirm the bank name auto-populates as UCO Bank and the branch as BAIRAD.
- 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 BAIRAD
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's BAIRAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0001139 while initiating the transfer and the credit will appear within minutes.
IMPS to UCO Bank BAIRAD (IFSC UCBA0001139)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0001139 in your mobile or internet banking app, and the money is credited to the BAIRAD branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0001139 for UCO Bank – BAIRAD, 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 – UCBA0001139 | Yes – UCBA0001139 | Yes – UCBA0001139 |
For most retail customers crediting the Bairad 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 BAIRAD branch, the IFSC UCBA0001139 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 Bairad branch is mapped to IFSC UCBA0001139 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 UCBA0001139.
Banking services available
The Bairad branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 7492-284486.
- 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 UCBA0001139
Digital banking channels
Most day-to-day work that customers used to do at the Bairad 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 UCBA0001139 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.
Reaching the branch
The Bairad branch sits at SHEOPUR MOHNA ROAD BAIRAD ,SHIVPURI ,MADHYA PRADESH PIN 473793. If you are travelling from outside Shivpur, search for the branch on a maps application using the bank name and locality, or call 7492-284486 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 UCBA0001139 and your account number.
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 – BAIRAD:
- The IFSC is exactly UCBA0001139 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 BAIRAD 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.
Working hours
Branch counters at Bairad 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 UCBA0001139 continue to work without interruption.
Verifying IFSC UCBA0001139 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 UCBA0001139 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 7492-284486.
- Visiting the bank's official branch locator page.
Branch address & contact
UCO BankBairad Branch
SHEOPUR MOHNA ROAD BAIRAD ,SHIVPURI ,MADHYA PRADESH PIN 473793
Shivpur, Madhya Pradesh
Phone: 7492-284486
IFSC: UCBA0001139
Frequently asked questions
Can I use IFSC UCBA0001139 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0001139 to send funds instantly.
How do I add UCO Bank Bairad as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0001139, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UCBA0001139 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Bairad reflect within 30 minutes.
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 Bairad branch but serve different purposes.
Where is UCO Bank Bairad branch located?
UCO Bank's Bairad branch is located at SHEOPUR MOHNA ROAD BAIRAD ,SHIVPURI ,MADHYA PRADESH PIN 473793, Shivpur, Madhya Pradesh.
What is the phone number of UCO Bank Bairad branch?
You can reach the branch at 7492-284486 during regular banking hours.
Is IFSC UCBA0001139 the same for all accounts at Bairad branch?
Yes. The IFSC UCBA0001139 is shared by every account held at UCO Bank's Bairad branch. Only the account number changes from customer to customer.
Final notes
To recap: UCBA0001139 is the IFSC code of UCO Bank, BAIRAD branch, in SHIVPUR, MADHYA PRADESH. 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.
