If you are searching for the IFSC code of UCO Bank, VIDISHA branch in VIDISHA, MADHYA PRADESH, this page has every detail you need. The verified IFSC code for this branch is UCBA0000010. 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 VIDISHA branch, and detailed step-by-step guides for using the IFSC UCBA0000010 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.
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, UCBA0000010 is the IFSC of UCO Bank's VIDISHA branch. The format is fixed: UCBA = bank code, 0 = reserved, 000010 = branch identifier.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Vidisha |
| IFSC Code | UCBA0000010 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 10 CITY CENTRE, VIDISHA ,MADHYA PRADESH PIN 464001 |
| City | Vidisha |
| District | Vidisha |
| State | Madhya Pradesh |
| STD Code | 759 |
| Phone | 2232928 |
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Vidisha branch in Vidisha, Madhya Pradesh is part of this network and uses the IFSC code UCBA0000010 for all electronic settlement.
About this branch
The branch is located at 10 CITY CENTRE, VIDISHA ,MADHYA PRADESH PIN 464001. It serves the Vidisha 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 UCBA0000010 is used to identify this branch on the RBI payments network.
Why every UCO Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including VIDISHA of UCO Bank — its own 11-character IFSC. The code UCBA0000010 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC UCBA0000010 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC UCBA0000010
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 UCBA0000010 across all three.
NEFT to UCO Bank, VIDISHA using IFSC UCBA0000010
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 UCBA0000010, and confirm that the system picks up UCO Bank – VIDISHA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to VIDISHA
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's VIDISHA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0000010 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – VIDISHA, use IMPS. With IFSC UCBA0000010 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 UCBA0000010 for UCO Bank – VIDISHA, 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 – UCBA0000010 | Yes – UCBA0000010 | Yes – UCBA0000010 |
For most retail customers crediting the Vidisha 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 UCBA0000010
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 – VIDISHA is still mapped to IFSC UCBA0000010. 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 UCBA0000010 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Vidisha branch is mapped to IFSC UCBA0000010 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 UCBA0000010.
Products and services
Customers walking into the Vidisha 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 UCBA0000010
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 UCBA0000010 and the account number together uniquely identify the Vidisha branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Vidisha 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 UCBA0000010 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.
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 – VIDISHA:
- The IFSC is exactly UCBA0000010 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 VIDISHA 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.
Reaching the branch
The Vidisha branch sits at 10 CITY CENTRE, VIDISHA ,MADHYA PRADESH PIN 464001. If you are travelling from outside Vidisha, search for the branch on a maps application using the bank name and locality, or call 759-2232928 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 UCBA0000010 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0000010 for UCO Bank – VIDISHA, 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.
Working hours
Branch counters at Vidisha 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 UCBA0000010 continue to work without interruption.
Branch address & contact
UCO BankVidisha Branch
10 CITY CENTRE, VIDISHA ,MADHYA PRADESH PIN 464001
Vidisha, Madhya Pradesh
Phone: 759-2232928
IFSC: UCBA0000010
Frequently asked questions
How quickly will an NEFT transfer using UCBA0000010 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Vidisha reflect within 30 minutes.
Is IFSC UCBA0000010 valid for NEFT and RTGS?
Yes. IFSC UCBA0000010 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC UCBA0000010 the same for all accounts at Vidisha branch?
Yes. The IFSC UCBA0000010 is shared by every account held at UCO Bank's Vidisha branch. Only the account number changes from customer to customer.
Can I use IFSC UCBA0000010 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0000010 to send funds instantly.
How do I add UCO Bank Vidisha as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0000010, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Vidisha branch but serve different purposes.
What is the phone number of UCO Bank Vidisha branch?
You can reach the branch at 759-2232928 during regular banking hours.
Does UCO Bank Vidisha branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 759-2232928 to confirm.
Summary
The IFSC code UCBA0000010 belongs to UCO Bank's VIDISHA branch, located at 10 CITY CENTRE, VIDISHA ,MADHYA PRADESH PIN 464001 in VIDISHA, 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.
