Use this page as a one-stop reference for everything related to UCO Bank's BAGAHA branch in BAGAHA, BIHAR. The branch's IFSC code UCBA0003686 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 – BAGAHA is UCBA0003686. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003686 map to this branch in BAGAHA, BIHAR.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Bagaha |
| IFSC Code | UCBA0003686 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BRAJMALA COMPLEX WARD NO 26, MAIN ROAD BAGAHA POST DIST WEST CHAMAPARAM BIHAR PIN 845101 |
| City | Bagaha |
| District | West Chamaparam |
| State | Bihar |
| STD Code | 91 |
| Phone | 7481883707 |
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Bagaha branch in Bagaha, Bihar is part of this network and uses the IFSC code UCBA0003686 for all electronic settlement.
About this branch
The branch is located at BRAJMALA COMPLEX WARD NO 26, MAIN ROAD BAGAHA POST DIST WEST CHAMAPARAM BIHAR PIN 845101. It serves the Bagaha 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 UCBA0003686 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 BAGAHA branch came to be assigned the code UCBA0003686.
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 UCBA0003686, money simply cannot be routed to the BAGAHA branch electronically.
How to transfer money using IFSC UCBA0003686
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 UCBA0003686 across all three.
NEFT to UCO Bank, BAGAHA using IFSC UCBA0003686
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 UCBA0003686, and confirm that the system picks up UCO Bank – BAGAHA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0003686
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 – BAGAHA, ensure your bank's portal accepts IFSC UCBA0003686 while registering the beneficiary. RTGS is also available 24x7.
IMPS to UCO Bank BAGAHA (IFSC UCBA0003686)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0003686 in your mobile or internet banking app, and the money is credited to the BAGAHA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Bagaha
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC UCBA0003686:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at BAGAHA is still linked to IFSC UCBA0003686.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
UPI payments and IFSC UCBA0003686
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 – BAGAHA is still mapped to IFSC UCBA0003686. 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 UCBA0003686 and the beneficiary's account number to complete the transfer.
Account types you can open at the Bagaha branch
Once you have an account at UCO Bank – BAGAHA, the IFSC UCBA0003686 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Bagaha branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-7481883707.
- 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 UCBA0003686
MICR & cheque-truncation details
Cheques drawn on the Bagaha branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0003686 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC UCBA0003686
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the BAGAHA 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 UCBA0003686 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.
Common mistakes to avoid when using IFSC UCBA0003686
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 – BAGAHA, 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:
UCBA0003686. - 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.
How to reach the Bagaha branch
The branch is located at BRAJMALA COMPLEX WARD NO 26, MAIN ROAD BAGAHA POST DIST WEST CHAMAPARAM BIHAR PIN 845101, which puts it inside Bagaha, the broader West Chamaparam district, and the state of Bihar. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Bagaha branch” — the verified location pin for IFSC UCBA0003686 should appear at the top of the results.
- Confirm the branch is open by calling 91-7481883707 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 UCBA0003686 and your account number.
Verifying IFSC UCBA0003686 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 UCBA0003686 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-7481883707.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Bagaha 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 UCBA0003686 continue to work without interruption.
Branch address & contact
UCO BankBagaha Branch
BRAJMALA COMPLEX WARD NO 26, MAIN ROAD BAGAHA POST DIST WEST CHAMAPARAM BIHAR PIN 845101
Bagaha, Bihar
Phone: 91-7481883707
IFSC: UCBA0003686
Frequently asked questions
How do I add UCO Bank Bagaha as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0003686, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UCBA0003686 the same for all accounts at Bagaha branch?
Yes. The IFSC UCBA0003686 is shared by every account held at UCO Bank's Bagaha branch. Only the account number changes from customer to customer.
Is IFSC UCBA0003686 valid for NEFT and RTGS?
Yes. IFSC UCBA0003686 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of UCO Bank Bagaha branch?
You can reach the branch at 91-7481883707 during regular banking hours.
Does UCO Bank Bagaha branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-7481883707 to confirm.
What is the IFSC code of UCO Bank Bagaha branch?
The IFSC code of UCO Bank, Bagaha branch is UCBA0003686. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Bagaha branch but serve different purposes.
Summary
The IFSC code UCBA0003686 belongs to UCO Bank's BAGAHA branch, located at BRAJMALA COMPLEX WARD NO 26, MAIN ROAD BAGAHA POST DIST WEST CHAMAPARAM BIHAR… in BAGAHA, 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.
