This page lists the IFSC code, branch address, contact number and fund-transfer information for UCO Bank, UNCHAHAR branch in UNCHAHAR. The 11-digit IFSC UCBA0002854 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 UNCHAHAR 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.
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, UCBA0002854 is the IFSC of UCO Bank's UNCHAHAR branch. The format is fixed: UCBA = bank code, 0 = reserved, 002854 = branch identifier.
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Unchahar branch in Unchahar, Uttar Pradesh is part of this network and uses the IFSC code UCBA0002854 for all electronic settlement.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Unchahar |
| IFSC Code | UCBA0002854 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ALLAHABAD LUCKNOW ROAD JAIRAMPUR, UNCHAHAR ,RAI BARELI ,UTTAR PRADESH PIN 229404 |
| City | Unchahar |
| District | Rai Bareli |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 9450020083 |
About the Unchahar branch
The Unchahar branch of UCO Bank is situated at ALLAHABAD LUCKNOW ROAD JAIRAMPUR, UNCHAHAR ,RAI BARELI ,UTTAR PRADESH PIN 229404. 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 UCBA0002854 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 UNCHAHAR branch came to be assigned the code UCBA0002854.
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 UCBA0002854, money simply cannot be routed to the UNCHAHAR branch electronically.
Products and account variants supported
Every account opened at the Unchahar branch is mapped to IFSC UCBA0002854 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 UCBA0002854.
Banking services available
The Unchahar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9450020083.
- 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 UCBA0002854
How to transfer money using IFSC UCBA0002854
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 UCBA0002854 across all three.
How to use IFSC UCBA0002854 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's UNCHAHAR 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 UCBA0002854.
- Confirm the bank name auto-populates as UCO Bank and the branch as UNCHAHAR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UCBA0002854
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 – UNCHAHAR, ensure your bank's portal accepts IFSC UCBA0002854 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – UNCHAHAR, use IMPS. With IFSC UCBA0002854 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 UCBA0002854 for UCO Bank – UNCHAHAR, 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 – UCBA0002854 | Yes – UCBA0002854 | Yes – UCBA0002854 |
For most retail customers crediting the Unchahar 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 UNCHAHAR branch, the IFSC UCBA0002854 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 UCBA0002854
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the UNCHAHAR 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 UCBA0002854 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 & cheque-truncation details
Cheques drawn on the Unchahar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0002854 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – UNCHAHAR:
- The IFSC is exactly UCBA0002854 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 UNCHAHAR 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.
How to reach the Unchahar branch
The branch is located at ALLAHABAD LUCKNOW ROAD JAIRAMPUR, UNCHAHAR ,RAI BARELI ,UTTAR PRADESH PIN 229404, which puts it inside Unchahar, the broader Rai Bareli district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Unchahar branch” — the verified location pin for IFSC UCBA0002854 should appear at the top of the results.
- Confirm the branch is open by calling 91-9450020083 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 UCBA0002854 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0002854 for UCO Bank – UNCHAHAR, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
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 Unchahar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0002854, however, work 24x7.
Branch address & contact
UCO BankUnchahar Branch
ALLAHABAD LUCKNOW ROAD JAIRAMPUR, UNCHAHAR ,RAI BARELI ,UTTAR PRADESH PIN 229404
Unchahar, Uttar Pradesh
Phone: 91-9450020083
IFSC: UCBA0002854
Frequently asked questions
What is the phone number of UCO Bank Unchahar branch?
You can reach the branch at 91-9450020083 during regular banking hours.
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 Unchahar branch but serve different purposes.
How do I add UCO Bank Unchahar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0002854, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UCBA0002854 the same for all accounts at Unchahar branch?
Yes. The IFSC UCBA0002854 is shared by every account held at UCO Bank's Unchahar branch. Only the account number changes from customer to customer.
Where is UCO Bank Unchahar branch located?
UCO Bank's Unchahar branch is located at ALLAHABAD LUCKNOW ROAD JAIRAMPUR, UNCHAHAR ,RAI BARELI ,UTTAR PRADESH PIN 229404, Unchahar, Uttar Pradesh.
Can I use IFSC UCBA0002854 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0002854 to send funds instantly.
Does UCO Bank Unchahar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9450020083 to confirm.
Is IFSC UCBA0002854 valid for NEFT and RTGS?
Yes. IFSC UCBA0002854 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: UCBA0002854 is the IFSC code of UCO Bank, UNCHAHAR branch, in UNCHAHAR, UTTAR 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.
