Use this page as a one-stop reference for everything related to UCO Bank's SITAPUR branch in SITAPUR, UTTAR PRADESH. The branch's IFSC code UCBA0001017 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 SITAPUR branch, the IFSC UCBA0001017 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 001017 identifies this particular branch.
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Sitapur branch in Sitapur. 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, UCBA0001017.
About the Sitapur branch
The Sitapur branch of UCO Bank is situated at STATION ROAD,SITAPUR, SITAPUR ,UTTAR PRADESH PIN 261001. 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 UCBA0001017 is used.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Sitapur |
| IFSC Code | UCBA0001017 |
| MICR Code | Refer to cheque leaf |
| Branch Address | STATION ROAD,SITAPUR, SITAPUR ,UTTAR PRADESH PIN 261001 |
| City | Sitapur |
| District | Sitapur |
| State | Uttar Pradesh |
| STD Code | 7834 |
| Phone | 270682 |
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 SITAPUR branch came to be assigned the code UCBA0001017.
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 UCBA0001017, money simply cannot be routed to the SITAPUR branch electronically.
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 UCBA0001017 and the account number together uniquely identify the Sitapur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UCBA0001017
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 UCBA0001017 across all three.
How to use IFSC UCBA0001017 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's SITAPUR 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 UCBA0001017.
- Confirm the bank name auto-populates as UCO Bank and the branch as SITAPUR.
- 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 SITAPUR
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's SITAPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0001017 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 – SITAPUR, use IMPS. With IFSC UCBA0001017 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 UCBA0001017 for UCO Bank – SITAPUR, 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 – UCBA0001017 | Yes – UCBA0001017 | Yes – UCBA0001017 |
For most retail customers crediting the Sitapur 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.
UPI payments and IFSC UCBA0001017
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 – SITAPUR is still mapped to IFSC UCBA0001017. 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 UCBA0001017 and the beneficiary's account number to complete the transfer.
Account types you can open at the Sitapur branch
Once you have an account at UCO Bank – SITAPUR, the IFSC UCBA0001017 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Sitapur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 7834-270682.
- 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 UCBA0001017
Digital banking channels
Most day-to-day work that customers used to do at the Sitapur 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 UCBA0001017 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.
How to reach the Sitapur branch
The branch is located at STATION ROAD,SITAPUR, SITAPUR ,UTTAR PRADESH PIN 261001, which puts it inside Sitapur, the broader Sitapur district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Sitapur branch” — the verified location pin for IFSC UCBA0001017 should appear at the top of the results.
- Confirm the branch is open by calling 7834-270682 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 UCBA0001017 and your account number.
Common mistakes to avoid when using IFSC UCBA0001017
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 – SITAPUR, 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:
UCBA0001017. - 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.
Working hours
Branch counters at Sitapur 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 UCBA0001017 continue to work without interruption.
Verifying IFSC UCBA0001017 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 UCBA0001017 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 7834-270682.
- Visiting the bank's official branch locator page.
Branch address & contact
UCO BankSitapur Branch
STATION ROAD,SITAPUR, SITAPUR ,UTTAR PRADESH PIN 261001
Sitapur, Uttar Pradesh
Phone: 7834-270682
IFSC: UCBA0001017
Frequently asked questions
How quickly will an NEFT transfer using UCBA0001017 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Sitapur reflect within 30 minutes.
What is the phone number of UCO Bank Sitapur branch?
You can reach the branch at 7834-270682 during regular banking hours.
How do I add UCO Bank Sitapur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0001017, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Sitapur branch but serve different purposes.
Is IFSC UCBA0001017 the same for all accounts at Sitapur branch?
Yes. The IFSC UCBA0001017 is shared by every account held at UCO Bank's Sitapur branch. Only the account number changes from customer to customer.
Is IFSC UCBA0001017 valid for NEFT and RTGS?
Yes. IFSC UCBA0001017 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is UCO Bank Sitapur branch located?
UCO Bank's Sitapur branch is located at STATION ROAD,SITAPUR, SITAPUR ,UTTAR PRADESH PIN 261001, Sitapur, Uttar Pradesh.
Summary
The IFSC code UCBA0001017 belongs to UCO Bank's SITAPUR branch, located at STATION ROAD,SITAPUR, SITAPUR ,UTTAR PRADESH PIN 261001 in SITAPUR, 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.
