Use this page as a one-stop reference for everything related to UCO Bank's ADAJAN branch in SURAT, GUJARAT. The branch's IFSC code UCBA0003427 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, UCBA0003427 is the IFSC of UCO Bank's ADAJAN branch. The format is fixed: UCBA = bank code, 0 = reserved, 003427 = branch identifier.
Bank profile
UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Adajan branch — IFSC UCBA0003427 — extends the bank's services to customers in and around Surat, Gujarat.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Adajan |
| IFSC Code | UCBA0003427 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHOP NO. G 59 ,SURAT ,GUJARAT PIN 395009 |
| City | Surat |
| District | Surat |
| State | Gujarat |
| STD Code | 91 |
| Phone | 9993126499 |
About the Adajan branch
The Adajan branch of UCO Bank is situated at SHOP NO. G 59 ,SURAT ,GUJARAT PIN 395009. 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 UCBA0003427 is used.
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 ADAJAN of UCO Bank — its own 11-character IFSC. The code UCBA0003427 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 UCBA0003427 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Adajan branch is mapped to IFSC UCBA0003427 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 UCBA0003427.
Banking services available
The Adajan branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9993126499.
- 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 UCBA0003427
How to transfer money using IFSC UCBA0003427
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 UCBA0003427 across all three.
NEFT to UCO Bank, ADAJAN using IFSC UCBA0003427
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 UCBA0003427, and confirm that the system picks up UCO Bank – ADAJAN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0003427
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 – ADAJAN, ensure your bank's portal accepts IFSC UCBA0003427 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – ADAJAN, use IMPS. With IFSC UCBA0003427 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Adajan
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 UCBA0003427:
- 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 ADAJAN is still linked to IFSC UCBA0003427.
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.
UPI payments and IFSC UCBA0003427
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 – ADAJAN is still mapped to IFSC UCBA0003427. 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 UCBA0003427 and the beneficiary's account number to complete the transfer.
Online banking and IFSC UCBA0003427
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the ADAJAN 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 UCBA0003427 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.
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 UCBA0003427 and the account number together uniquely identify the Adajan branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC UCBA0003427
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 – ADAJAN, 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:
UCBA0003427. - 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 Adajan branch
The branch is located at SHOP NO. G 59 ,SURAT ,GUJARAT PIN 395009, which puts it inside Surat, the broader Surat district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Adajan branch” — the verified location pin for IFSC UCBA0003427 should appear at the top of the results.
- Confirm the branch is open by calling 91-9993126499 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 UCBA0003427 and your account number.
Verifying IFSC UCBA0003427 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 UCBA0003427 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9993126499.
- Visiting the bank's official branch locator page.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Adajan branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0003427, however, work 24x7.
Branch address & contact
UCO BankAdajan Branch
SHOP NO. G 59 ,SURAT ,GUJARAT PIN 395009
Surat, Gujarat
Phone: 91-9993126499
IFSC: UCBA0003427
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 Adajan branch but serve different purposes.
Can I use IFSC UCBA0003427 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0003427 to send funds instantly.
Where is UCO Bank Adajan branch located?
UCO Bank's Adajan branch is located at SHOP NO. G 59 ,SURAT ,GUJARAT PIN 395009, Surat, Gujarat.
How quickly will an NEFT transfer using UCBA0003427 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Adajan reflect within 30 minutes.
Is IFSC UCBA0003427 the same for all accounts at Adajan branch?
Yes. The IFSC UCBA0003427 is shared by every account held at UCO Bank's Adajan branch. Only the account number changes from customer to customer.
Does UCO Bank Adajan branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9993126499 to confirm.
How do I add UCO Bank Adajan as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0003427, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of UCO Bank Adajan branch?
You can reach the branch at 91-9993126499 during regular banking hours.
Summary
The IFSC code UCBA0003427 belongs to UCO Bank's ADAJAN branch, located at SHOP NO. G 59 ,SURAT ,GUJARAT PIN 395009 in SURAT, 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.
