Below are the complete branch details for UCO Bank, BALIA branch, located in BALIA, BIHAR. The IFSC assigned by the Reserve Bank of India to this branch is UCBA0002785. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UCBA0002785 for UCO Bank – BALIA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – BALIA is UCBA0002785. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002785 map to this branch in BALIA, BIHAR.
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Balia branch in Balia, Bihar is part of this network and uses the IFSC code UCBA0002785 for all electronic settlement.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Balia |
| IFSC Code | UCBA0002785 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT BALLIA PO LAKHMINIA PS BALLIA DISTT BEGUSARAI ,BEGUSARAI ,BIHAR PIN 851211 |
| City | Balia |
| District | Begusarai |
| State | Bihar |
| STD Code | 91 |
| Phone | 9430166415 |
Balia branch overview
Located at AT BALLIA PO LAKHMINIA PS BALLIA DISTT BEGUSARAI ,BEGUSARAI ,BIHAR PIN 851211, the Balia branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0002785 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 BALIA branch came to be assigned the code UCBA0002785.
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 UCBA0002785, money simply cannot be routed to the BALIA branch electronically.
Products and account variants supported
Every account opened at the Balia branch is mapped to IFSC UCBA0002785 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 UCBA0002785.
Banking services available
The Balia branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9430166415.
- 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 UCBA0002785
How to transfer money using IFSC UCBA0002785
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 UCBA0002785 across all three.
How to use IFSC UCBA0002785 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's BALIA 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 UCBA0002785.
- Confirm the bank name auto-populates as UCO Bank and the branch as BALIA.
- 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 BALIA
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's BALIA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0002785 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 – BALIA, use IMPS. With IFSC UCBA0002785 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 UCBA0002785 for UCO Bank – BALIA, 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 – UCBA0002785 | Yes – UCBA0002785 | Yes – UCBA0002785 |
For most retail customers crediting the Balia 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 BALIA branch, the IFSC UCBA0002785 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.
Digital banking channels
Most day-to-day work that customers used to do at the Balia 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 UCBA0002785 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 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 UCBA0002785 and the account number together uniquely identify the Balia branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – BALIA:
- The IFSC is exactly UCBA0002785 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 BALIA 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 Balia branch sits at AT BALLIA PO LAKHMINIA PS BALLIA DISTT BEGUSARAI ,BEGUSARAI ,BIHAR PIN 851211. If you are travelling from outside Balia, search for the branch on a maps application using the bank name and locality, or call 91-9430166415 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 UCBA0002785 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0002785 for UCO Bank – BALIA, 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 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 Balia branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0002785, however, work 24x7.
Branch address & contact
UCO BankBalia Branch
AT BALLIA PO LAKHMINIA PS BALLIA DISTT BEGUSARAI ,BEGUSARAI ,BIHAR PIN 851211
Balia, Bihar
Phone: 91-9430166415
IFSC: UCBA0002785
Frequently asked questions
Does UCO Bank Balia branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9430166415 to confirm.
Is IFSC UCBA0002785 the same for all accounts at Balia branch?
Yes. The IFSC UCBA0002785 is shared by every account held at UCO Bank's Balia branch. Only the account number changes from customer to customer.
Can I use IFSC UCBA0002785 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0002785 to send funds instantly.
How do I add UCO Bank Balia as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0002785, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of UCO Bank Balia branch?
You can reach the branch at 91-9430166415 during regular banking hours.
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 Balia branch but serve different purposes.
Is IFSC UCBA0002785 valid for NEFT and RTGS?
Yes. IFSC UCBA0002785 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using UCBA0002785 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Balia reflect within 30 minutes.
Final notes
To recap: UCBA0002785 is the IFSC code of UCO Bank, BALIA branch, in BALIA, 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.
