IFSC Code of UCO Bank, Waghodia Road Branch, Gujarat

Below are the complete branch details for UCO Bank, WAGHODIA ROAD branch, located in VADODARA, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is UCBA0003677. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UCBA0003677 for UCO Bank – WAGHODIA ROAD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 WAGHODIA ROAD branch, the IFSC UCBA0003677 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 003677 identifies this particular branch.

About the bank

UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Waghodia Road branch in Vadodara, Gujarat is part of this network and uses the IFSC code UCBA0003677 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at SHOP NO 11 & 12,GROUND FLOOR,TIRTH LIFESPACE,NEAR GURUKUL CROSSING,WAGHODIA RAOD,GUJARAT PO 390017. It serves the Vadodara 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 UCBA0003677 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 WAGHODIA ROAD branch came to be assigned the code UCBA0003677.

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 UCBA0003677, money simply cannot be routed to the WAGHODIA ROAD branch electronically.

Products and account variants supported

Every account opened at the Waghodia Road branch is mapped to IFSC UCBA0003677 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 UCBA0003677.

Banking services available

The Waghodia Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8707059499.

• 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 UCBA0003677

How to transfer money using IFSC UCBA0003677

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 UCBA0003677 across all three.

How to use IFSC UCBA0003677 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's WAGHODIA ROAD 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UCBA0003677.
4. Confirm the bank name auto-populates as UCO Bank and the branch as WAGHODIA ROAD.
5. 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 WAGHODIA ROAD

If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's WAGHODIA ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0003677 while initiating the transfer and the credit will appear within minutes.

IMPS to UCO Bank WAGHODIA ROAD (IFSC UCBA0003677)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0003677 in your mobile or internet banking app, and the money is credited to the WAGHODIA ROAD branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UCBA0003677 for UCO Bank – WAGHODIA ROAD, 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.

For most retail customers crediting the Waghodia Road 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 UCBA0003677

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 – WAGHODIA ROAD is still mapped to IFSC UCBA0003677. 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 UCBA0003677 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UCBA0003677

UCO Bank customers can register for net banking and the bank's official mobile app once their account at the WAGHODIA ROAD 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 UCBA0003677 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 Waghodia Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0003677 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 – WAGHODIA ROAD:

• The IFSC is exactly UCBA0003677 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 WAGHODIA ROAD 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 Waghodia Road branch

The branch is located at SHOP NO 11 & 12,GROUND FLOOR,TIRTH LIFESPACE,NEAR GURUKUL CROSSING,WAGHODIA RAOD,GUJARAT PO 390017, which puts it inside Vadodara, the broader Vadodara district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “UCO Bank Waghodia Road branch” — the verified location pin for IFSC UCBA0003677 should appear at the top of the results.
2. Confirm the branch is open by calling 8707059499 before stepping out, especially around public holidays.
3. 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 UCBA0003677 and your account number.

Verifying IFSC UCBA0003677 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 UCBA0003677 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8707059499.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Waghodia Road 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 UCBA0003677 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UCBA0003677 is the IFSC code of UCO Bank, WAGHODIA ROAD branch, in VADODARA, GUJARAT. 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.