If you are searching for the IFSC code of UCO Bank, ARRAH branch in ARRAH, BIHAR, this page has every detail you need. The verified IFSC code for this branch is UCBA0001072. 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 ARRAH branch, and detailed step-by-step guides for using the IFSC UCBA0001072 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, UCBA0001072 is the IFSC of UCO Bank's ARRAH branch. The format is fixed: UCBA = bank code, 0 = reserved, 001072 = branch identifier.
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Arrah branch in Arrah. 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, UCBA0001072.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Arrah |
| IFSC Code | UCBA0001072 |
| MICR Code | Refer to cheque leaf |
| Branch Address | JAIL ROAD ,ARRAH ,BHOJPUR ,BIHAR PIN 802301 |
| City | Arrah |
| District | Bhojpur |
| State | Bihar |
| STD Code | 6182 |
| Phone | 232551 |
Arrah branch overview
Located at JAIL ROAD ,ARRAH ,BHOJPUR ,BIHAR PIN 802301, the Arrah branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0001072 is required for all interbank electronic transfers routed through this branch.
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 ARRAH branch came to be assigned the code UCBA0001072.
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 UCBA0001072, money simply cannot be routed to the ARRAH branch electronically.
Products and account variants supported
Every account opened at the Arrah branch is mapped to IFSC UCBA0001072 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 UCBA0001072.
Banking services available
The Arrah branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 6182-232551.
- 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 UCBA0001072
How to transfer money using IFSC UCBA0001072
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 UCBA0001072 across all three.
How to use IFSC UCBA0001072 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's ARRAH 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 UCBA0001072.
- Confirm the bank name auto-populates as UCO Bank and the branch as ARRAH.
- 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 ARRAH
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's ARRAH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0001072 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 – ARRAH, use IMPS. With IFSC UCBA0001072 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 UCBA0001072 for UCO Bank – ARRAH, 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 – UCBA0001072 | Yes – UCBA0001072 | Yes – UCBA0001072 |
For most retail customers crediting the Arrah 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 UCBA0001072
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 – ARRAH is still mapped to IFSC UCBA0001072. 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 UCBA0001072 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Arrah 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 UCBA0001072 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.
MICR & cheque-truncation details
Cheques drawn on the Arrah branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0001072 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 – ARRAH:
- The IFSC is exactly UCBA0001072 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 ARRAH 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 Arrah branch sits at JAIL ROAD ,ARRAH ,BHOJPUR ,BIHAR PIN 802301. If you are travelling from outside Arrah, search for the branch on a maps application using the bank name and locality, or call 6182-232551 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 UCBA0001072 and your account number.
Verifying IFSC UCBA0001072 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 UCBA0001072 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 6182-232551.
- 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 Arrah branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0001072, however, work 24x7.
Branch address & contact
UCO BankArrah Branch
JAIL ROAD ,ARRAH ,BHOJPUR ,BIHAR PIN 802301
Arrah, Bihar
Phone: 6182-232551
IFSC: UCBA0001072
Frequently asked questions
Can I use IFSC UCBA0001072 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0001072 to send funds instantly.
What is the IFSC code of UCO Bank Arrah branch?
The IFSC code of UCO Bank, Arrah branch is UCBA0001072. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UCBA0001072 the same for all accounts at Arrah branch?
Yes. The IFSC UCBA0001072 is shared by every account held at UCO Bank's Arrah branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using UCBA0001072 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Arrah reflect within 30 minutes.
Where is UCO Bank Arrah branch located?
UCO Bank's Arrah branch is located at JAIL ROAD ,ARRAH ,BHOJPUR ,BIHAR PIN 802301, Arrah, Bihar.
Does UCO Bank Arrah branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 6182-232551 to confirm.
What is the phone number of UCO Bank Arrah branch?
You can reach the branch at 6182-232551 during regular banking hours.
Summary
The IFSC code UCBA0001072 belongs to UCO Bank's ARRAH branch, located at JAIL ROAD ,ARRAH ,BHOJPUR ,BIHAR PIN 802301 in ARRAH, BIHAR. 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.
