Use this page as a one-stop reference for everything related to UCO Bank's ENGLISH MORE branch in AMARPUR, BIHAR. The branch's IFSC code UCBA0001295 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 – ENGLISH MORE is UCBA0001295. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001295 map to this branch in AMARPUR, BIHAR.
Bank profile
UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The English More branch — IFSC UCBA0001295 — extends the bank's services to customers in and around Amarpur, Bihar.
About this branch
The branch is located at AT ENGLISH MORE, PS AMARPUR, DIST BANKA ,BANKA ,BIHAR PIN 813101. It serves the Amarpur 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 UCBA0001295 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | English More |
| IFSC Code | UCBA0001295 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT ENGLISH MORE, PS AMARPUR, DIST BANKA ,BANKA ,BIHAR PIN 813101 |
| City | Amarpur |
| District | Banka |
| State | Bihar |
| STD Code | 6424 |
| Phone | 222548 |
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 ENGLISH MORE of UCO Bank — its own 11-character IFSC. The code UCBA0001295 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 UCBA0001295 the same way you would treat your account number — verify it once and save it carefully for future use.
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 UCBA0001295 and the account number together uniquely identify the English More branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UCBA0001295
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 UCBA0001295 across all three.
How to use IFSC UCBA0001295 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's ENGLISH MORE 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 UCBA0001295.
- Confirm the bank name auto-populates as UCO Bank and the branch as ENGLISH MORE.
- 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 ENGLISH MORE
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's ENGLISH MORE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0001295 while initiating the transfer and the credit will appear within minutes.
IMPS to UCO Bank ENGLISH MORE (IFSC UCBA0001295)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0001295 in your mobile or internet banking app, and the money is credited to the ENGLISH MORE branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0001295 for UCO Bank – ENGLISH MORE, 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 – UCBA0001295 | Yes – UCBA0001295 | Yes – UCBA0001295 |
For most retail customers crediting the English More 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 ENGLISH MORE branch, the IFSC UCBA0001295 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 English More branch is mapped to IFSC UCBA0001295 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 UCBA0001295.
Banking services available
The English More branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 6424-222548.
- 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 UCBA0001295
Digital banking channels
Most day-to-day work that customers used to do at the English More 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 UCBA0001295 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 English More branch sits at AT ENGLISH MORE, PS AMARPUR, DIST BANKA ,BANKA ,BIHAR PIN 813101. If you are travelling from outside Amarpur, search for the branch on a maps application using the bank name and locality, or call 6424-222548 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 UCBA0001295 and your account number.
Common mistakes to avoid when using IFSC UCBA0001295
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to UCO Bank – ENGLISH MORE, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
UCBA0001295. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
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 English More branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0001295, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0001295 for UCO Bank – ENGLISH MORE, 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 address & contact
UCO BankEnglish More Branch
AT ENGLISH MORE, PS AMARPUR, DIST BANKA ,BANKA ,BIHAR PIN 813101
Amarpur, Bihar
Phone: 6424-222548
IFSC: UCBA0001295
Frequently asked questions
What is the IFSC code of UCO Bank English More branch?
The IFSC code of UCO Bank, English More branch is UCBA0001295. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using UCBA0001295 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – English More reflect within 30 minutes.
Is IFSC UCBA0001295 the same for all accounts at English More branch?
Yes. The IFSC UCBA0001295 is shared by every account held at UCO Bank's English More branch. Only the account number changes from customer to customer.
How do I add UCO Bank English More as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0001295, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is UCO Bank English More branch located?
UCO Bank's English More branch is located at AT ENGLISH MORE, PS AMARPUR, DIST BANKA ,BANKA ,BIHAR PIN 813101, Amarpur, Bihar.
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 English More branch but serve different purposes.
Is IFSC UCBA0001295 valid for NEFT and RTGS?
Yes. IFSC UCBA0001295 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: UCBA0001295 is the IFSC code of UCO Bank, ENGLISH MORE branch, in AMARPUR, BIHAR. 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.
