If you are searching for the IFSC code of UCO Bank, JAGOTI branch in UJJAIN, MADHYA PRADESH, this page has every detail you need. The verified IFSC code for this branch is UCBA0001461. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the JAGOTI branch, and detailed step-by-step guides for using the IFSC UCBA0001461 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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 JAGOTI branch, the IFSC UCBA0001461 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 001461 identifies this particular branch.
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Jagoti branch in Ujjain. 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, UCBA0001461.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Jagoti |
| IFSC Code | UCBA0001461 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL AND POST JAGOTI TEH MAHIDPUR UJJAIN ,UJJAIN ,MADHYA PRADESH PIN 456550 |
| City | Ujjain |
| District | Ujjain |
| State | Madhya Pradesh |
| STD Code | 734 |
| Phone | 265629 |
About the Jagoti branch
The Jagoti branch of UCO Bank is situated at VILL AND POST JAGOTI TEH MAHIDPUR UJJAIN ,UJJAIN ,MADHYA PRADESH PIN 456550. 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 UCBA0001461 is used.
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 JAGOTI branch came to be assigned the code UCBA0001461.
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 UCBA0001461, money simply cannot be routed to the JAGOTI branch electronically.
Products and account variants supported
Every account opened at the Jagoti branch is mapped to IFSC UCBA0001461 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 UCBA0001461.
Products and services
Customers walking into the Jagoti 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 UCBA0001461
How to transfer money using IFSC UCBA0001461
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 UCBA0001461 across all three.
How to use IFSC UCBA0001461 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's JAGOTI 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 UCBA0001461.
- Confirm the bank name auto-populates as UCO Bank and the branch as JAGOTI.
- 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 JAGOTI
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's JAGOTI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0001461 while initiating the transfer and the credit will appear within minutes.
IMPS to UCO Bank JAGOTI (IFSC UCBA0001461)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0001461 in your mobile or internet banking app, and the money is credited to the JAGOTI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0001461 for UCO Bank – JAGOTI, 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 – UCBA0001461 | Yes – UCBA0001461 | Yes – UCBA0001461 |
For most retail customers crediting the Jagoti 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 JAGOTI branch, the IFSC UCBA0001461 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.
Online banking and IFSC UCBA0001461
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the JAGOTI 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 UCBA0001461 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 UCBA0001461 and the account number together uniquely identify the Jagoti 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 UCBA0001461
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 – JAGOTI, 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:
UCBA0001461. - 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 Jagoti branch
The branch is located at VILL AND POST JAGOTI TEH MAHIDPUR UJJAIN ,UJJAIN ,MADHYA PRADESH PIN 456550, which puts it inside Ujjain, the broader Ujjain district, and the state of Madhya Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Jagoti branch” — the verified location pin for IFSC UCBA0001461 should appear at the top of the results.
- Confirm the branch is open by calling 734-265629 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 UCBA0001461 and your account number.
Verifying IFSC UCBA0001461 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 UCBA0001461 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 734-265629.
- 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 Jagoti branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0001461, however, work 24x7.
Branch address & contact
UCO BankJagoti Branch
VILL AND POST JAGOTI TEH MAHIDPUR UJJAIN ,UJJAIN ,MADHYA PRADESH PIN 456550
Ujjain, Madhya Pradesh
Phone: 734-265629
IFSC: UCBA0001461
Frequently asked questions
Can I use IFSC UCBA0001461 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0001461 to send funds instantly.
Where is UCO Bank Jagoti branch located?
UCO Bank's Jagoti branch is located at VILL AND POST JAGOTI TEH MAHIDPUR UJJAIN ,UJJAIN ,MADHYA PRADESH PIN 456550, Ujjain, Madhya Pradesh.
What is the phone number of UCO Bank Jagoti branch?
You can reach the branch at 734-265629 during regular banking hours.
How quickly will an NEFT transfer using UCBA0001461 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Jagoti reflect within 30 minutes.
Is IFSC UCBA0001461 the same for all accounts at Jagoti branch?
Yes. The IFSC UCBA0001461 is shared by every account held at UCO Bank's Jagoti branch. Only the account number changes from customer to customer.
How do I add UCO Bank Jagoti as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0001461, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code UCBA0001461 belongs to UCO Bank's JAGOTI branch, located at VILL AND POST JAGOTI TEH MAHIDPUR UJJAIN ,UJJAIN ,MADHYA PRADESH PIN 456550 in UJJAIN, MADHYA 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.
