This page lists the IFSC code, branch address, contact number and fund-transfer information for UCO Bank, SIDDHAUR branch in SIDHAUR. The 11-digit IFSC UCBA0003163 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with UCO Bank at the SIDDHAUR location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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 – SIDDHAUR is UCBA0003163. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003163 map to this branch in SIDHAUR, UTTAR PRADESH.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Siddhaur |
| IFSC Code | UCBA0003163 |
| MICR Code | Refer to cheque leaf |
| Branch Address | UCO BANK SIDDHAUR, MOHALLA HATIYA, NAGAR PANCHAYAT SIDDHAUR, SIDDHAUR, BARABANKI ,BARA BANKI ,UTTAR PRADESH PIN 225413 |
| City | Sidhaur |
| District | Bara Banki |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 9917230408 |
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Siddhaur branch in Sidhaur. 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, UCBA0003163.
About this branch
The branch is located at UCO BANK SIDDHAUR, MOHALLA HATIYA, NAGAR PANCHAYAT SIDDHAUR, SIDDHAUR, BARABANKI ,BARA BANKI ,UTTAR PRADESH PIN 225413. It serves the Sidhaur 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 UCBA0003163 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 SIDDHAUR branch came to be assigned the code UCBA0003163.
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 UCBA0003163, money simply cannot be routed to the SIDDHAUR branch electronically.
How to transfer money using IFSC UCBA0003163
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 UCBA0003163 across all three.
NEFT to UCO Bank, SIDDHAUR using IFSC UCBA0003163
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 UCBA0003163, and confirm that the system picks up UCO Bank – SIDDHAUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0003163
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 – SIDDHAUR, ensure your bank's portal accepts IFSC UCBA0003163 while registering the beneficiary. RTGS is also available 24x7.
IMPS to UCO Bank SIDDHAUR (IFSC UCBA0003163)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0003163 in your mobile or internet banking app, and the money is credited to the SIDDHAUR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0003163 for UCO Bank – SIDDHAUR, 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 – UCBA0003163 | Yes – UCBA0003163 | Yes – UCBA0003163 |
For most retail customers crediting the Siddhaur 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 SIDDHAUR branch, the IFSC UCBA0003163 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 Siddhaur branch is mapped to IFSC UCBA0003163 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 UCBA0003163.
Banking services available
The Siddhaur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9917230408.
- 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 UCBA0003163
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 UCBA0003163 and the account number together uniquely identify the Siddhaur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC UCBA0003163
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the SIDDHAUR 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 UCBA0003163 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.
Common mistakes to avoid when using IFSC UCBA0003163
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 – SIDDHAUR, 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:
UCBA0003163. - 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 Siddhaur branch
The branch is located at UCO BANK SIDDHAUR, MOHALLA HATIYA, NAGAR PANCHAYAT SIDDHAUR, SIDDHAUR, BARABANKI ,BARA BANKI ,UTTAR PRADESH PIN 225413, which puts it inside Sidhaur, the broader Bara Banki district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Siddhaur branch” — the verified location pin for IFSC UCBA0003163 should appear at the top of the results.
- Confirm the branch is open by calling 91-9917230408 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 UCBA0003163 and your account number.
Verifying IFSC UCBA0003163 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 UCBA0003163 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9917230408.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Siddhaur 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 UCBA0003163 continue to work without interruption.
Branch address & contact
UCO BankSiddhaur Branch
UCO BANK SIDDHAUR, MOHALLA HATIYA, NAGAR PANCHAYAT SIDDHAUR, SIDDHAUR, BARABANKI ,BARA BANKI ,UTTAR PRADESH PIN 225413
Sidhaur, Uttar Pradesh
Phone: 91-9917230408
IFSC: UCBA0003163
Frequently asked questions
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 Siddhaur branch but serve different purposes.
Is IFSC UCBA0003163 valid for NEFT and RTGS?
Yes. IFSC UCBA0003163 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add UCO Bank Siddhaur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0003163, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of UCO Bank Siddhaur branch?
The IFSC code of UCO Bank, Siddhaur branch is UCBA0003163. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC UCBA0003163 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0003163 to send funds instantly.
Where is UCO Bank Siddhaur branch located?
UCO Bank's Siddhaur branch is located at UCO BANK SIDDHAUR, MOHALLA HATIYA, NAGAR PANCHAYAT SIDDHAUR, SIDDHAUR, BARABANKI ,BARA BANKI ,UTTAR PRADESH PIN 225413, Sidhaur, Uttar Pradesh.
Summary
The IFSC code UCBA0003163 belongs to UCO Bank's SIDDHAUR branch, located at UCO BANK SIDDHAUR, MOHALLA HATIYA, NAGAR PANCHAYAT SIDDHAUR, SIDDHAUR,… in SIDHAUR, UTTAR 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.
