Use this page as a one-stop reference for everything related to UCO Bank's VELLIYUR branch in VELLIYUR, TAMIL NADU. The branch's IFSC code UCBA0000518 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.
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 – VELLIYUR is UCBA0000518. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000518 map to this branch in VELLIYUR, TAMIL NADU.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Velliyur |
| IFSC Code | UCBA0000518 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO. 543 THIRUVALLUR ROAD THAMARAIPAKKAM POST THIRUVALLUR TALUK AND DISTRICT ,THIRUVALLUR ,TAMIL NADU PIN 601103 |
| City | Velliyur |
| District | Thiruvallur |
| State | Tamil Nadu |
| STD Code | 44 |
| Phone | 27626729 |
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Velliyur branch in Velliyur, Tamil Nadu is part of this network and uses the IFSC code UCBA0000518 for all electronic settlement.
About this branch
The branch is located at NO. 543 THIRUVALLUR ROAD THAMARAIPAKKAM POST THIRUVALLUR TALUK AND DISTRICT ,THIRUVALLUR ,TAMIL NADU PIN 601103. It serves the Velliyur 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 UCBA0000518 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 VELLIYUR branch came to be assigned the code UCBA0000518.
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 UCBA0000518, money simply cannot be routed to the VELLIYUR branch electronically.
How to transfer money using IFSC UCBA0000518
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 UCBA0000518 across all three.
How to use IFSC UCBA0000518 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's VELLIYUR 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 UCBA0000518.
- Confirm the bank name auto-populates as UCO Bank and the branch as VELLIYUR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UCBA0000518
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 – VELLIYUR, ensure your bank's portal accepts IFSC UCBA0000518 while registering the beneficiary. RTGS is also available 24x7.
IMPS to UCO Bank VELLIYUR (IFSC UCBA0000518)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0000518 in your mobile or internet banking app, and the money is credited to the VELLIYUR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0000518 for UCO Bank – VELLIYUR, 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 – UCBA0000518 | Yes – UCBA0000518 | Yes – UCBA0000518 |
For most retail customers crediting the Velliyur 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 UCBA0000518
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 – VELLIYUR is still mapped to IFSC UCBA0000518. 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 UCBA0000518 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Velliyur branch is mapped to IFSC UCBA0000518 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 UCBA0000518.
Products and services
Customers walking into the Velliyur 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 UCBA0000518
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 UCBA0000518 and the account number together uniquely identify the Velliyur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC UCBA0000518
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the VELLIYUR 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 UCBA0000518 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.
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 – VELLIYUR:
- The IFSC is exactly UCBA0000518 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 VELLIYUR 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 Velliyur branch
The branch is located at NO. 543 THIRUVALLUR ROAD THAMARAIPAKKAM POST THIRUVALLUR TALUK AND DISTRICT ,THIRUVALLUR ,TAMIL NADU PIN 601103, which puts it inside Velliyur, the broader Thiruvallur district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Velliyur branch” — the verified location pin for IFSC UCBA0000518 should appear at the top of the results.
- Confirm the branch is open by calling 44-27626729 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 UCBA0000518 and your account number.
Verifying IFSC UCBA0000518 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 UCBA0000518 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 44-27626729.
- 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 Velliyur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0000518, however, work 24x7.
Branch address & contact
UCO BankVelliyur Branch
NO. 543 THIRUVALLUR ROAD THAMARAIPAKKAM POST THIRUVALLUR TALUK AND DISTRICT ,THIRUVALLUR ,TAMIL NADU PIN 601103
Velliyur, Tamil Nadu
Phone: 44-27626729
IFSC: UCBA0000518
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 Velliyur branch but serve different purposes.
Is IFSC UCBA0000518 valid for NEFT and RTGS?
Yes. IFSC UCBA0000518 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of UCO Bank Velliyur branch?
You can reach the branch at 44-27626729 during regular banking hours.
Can I use IFSC UCBA0000518 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0000518 to send funds instantly.
Does UCO Bank Velliyur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 44-27626729 to confirm.
How quickly will an NEFT transfer using UCBA0000518 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Velliyur reflect within 30 minutes.
Is IFSC UCBA0000518 the same for all accounts at Velliyur branch?
Yes. The IFSC UCBA0000518 is shared by every account held at UCO Bank's Velliyur branch. Only the account number changes from customer to customer.
Final notes
To recap: UCBA0000518 is the IFSC code of UCO Bank, VELLIYUR branch, in VELLIYUR, TAMIL NADU. 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.
