This page lists the IFSC code, branch address, contact number and fund-transfer information for UCO Bank, MALDAHIYA branch in VARANASI. The 11-digit IFSC UCBA0002204 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 MALDAHIYA 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.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for UCO Bank – MALDAHIYA is UCBA0002204. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002204 map to this branch in VARANASI, UTTAR PRADESH.
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Maldahiya branch in Varanasi. 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, UCBA0002204.
Maldahiya branch overview
Located at C 33 2 CHANDUASATTI, INFRONT OF BHARAT MATA MANDIR ,VARANASI. ,VARANASI ,UTTAR PRADESH PIN 221002, the Maldahiya branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0002204 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Maldahiya |
| IFSC Code | UCBA0002204 |
| MICR Code | Refer to cheque leaf |
| Branch Address | C 33 2 CHANDUASATTI, INFRONT OF BHARAT MATA MANDIR ,VARANASI. ,VARANASI ,UTTAR PRADESH PIN 221002 |
| City | Varanasi |
| District | Varanasi |
| State | Uttar Pradesh |
| STD Code | 542 |
| Phone | 2221663 |
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 MALDAHIYA branch came to be assigned the code UCBA0002204.
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 UCBA0002204, money simply cannot be routed to the MALDAHIYA branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Maldahiya branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0002204 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC UCBA0002204
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 UCBA0002204 across all three.
NEFT to UCO Bank, MALDAHIYA using IFSC UCBA0002204
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 UCBA0002204, and confirm that the system picks up UCO Bank – MALDAHIYA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0002204
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 – MALDAHIYA, ensure your bank's portal accepts IFSC UCBA0002204 while registering the beneficiary. RTGS is also available 24x7.
IMPS to UCO Bank MALDAHIYA (IFSC UCBA0002204)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0002204 in your mobile or internet banking app, and the money is credited to the MALDAHIYA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0002204 for UCO Bank – MALDAHIYA, 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 – UCBA0002204 | Yes – UCBA0002204 | Yes – UCBA0002204 |
For most retail customers crediting the Maldahiya 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 MALDAHIYA branch, the IFSC UCBA0002204 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.
Products and account variants supported
Every account opened at the Maldahiya branch is mapped to IFSC UCBA0002204 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 UCBA0002204.
Banking services available
The Maldahiya branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 542-2221663.
- 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 UCBA0002204
Digital banking channels
Most day-to-day work that customers used to do at the Maldahiya 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 UCBA0002204 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.
Reaching the branch
The Maldahiya branch sits at C 33 2 CHANDUASATTI, INFRONT OF BHARAT MATA MANDIR ,VARANASI. ,VARANASI ,UTTAR PRADESH PIN 221002. If you are travelling from outside Varanasi, search for the branch on a maps application using the bank name and locality, or call 542-2221663 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC UCBA0002204 and your account number.
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 – MALDAHIYA:
- The IFSC is exactly UCBA0002204 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 MALDAHIYA 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.
Working hours
Branch counters at Maldahiya 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 UCBA0002204 continue to work without interruption.
Verifying IFSC UCBA0002204 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 UCBA0002204 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 542-2221663.
- Visiting the bank's official branch locator page.
Branch address & contact
UCO BankMaldahiya Branch
C 33 2 CHANDUASATTI, INFRONT OF BHARAT MATA MANDIR ,VARANASI. ,VARANASI ,UTTAR PRADESH PIN 221002
Varanasi, Uttar Pradesh
Phone: 542-2221663
IFSC: UCBA0002204
Frequently asked questions
Is IFSC UCBA0002204 the same for all accounts at Maldahiya branch?
Yes. The IFSC UCBA0002204 is shared by every account held at UCO Bank's Maldahiya branch. Only the account number changes from customer to customer.
Where is UCO Bank Maldahiya branch located?
UCO Bank's Maldahiya branch is located at C 33 2 CHANDUASATTI, INFRONT OF BHARAT MATA MANDIR ,VARANASI. ,VARANASI ,UTTAR PRADESH PIN 221002, Varanasi, Uttar Pradesh.
How quickly will an NEFT transfer using UCBA0002204 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Maldahiya reflect within 30 minutes.
What is the phone number of UCO Bank Maldahiya branch?
You can reach the branch at 542-2221663 during regular banking hours.
How do I add UCO Bank Maldahiya as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0002204, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC UCBA0002204 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0002204 to send funds instantly.
Final notes
To recap: UCBA0002204 is the IFSC code of UCO Bank, MALDAHIYA branch, in VARANASI, 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.
