Below are the complete branch details for UCO Bank, BANKA DIST HQ branch, located in BANKA, BIHAR. The IFSC assigned by the Reserve Bank of India to this branch is UCBA0003449. 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 UCBA0003449 for UCO Bank – BANKA DIST HQ — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For UCO Bank's BANKA DIST HQ branch, the IFSC UCBA0003449 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 003449 identifies this particular branch.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Banka Dist HQ |
| IFSC Code | UCBA0003449 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BELOW ADB SBI, NEAR NAGAR PAISHAD OFFICE, ALIGANJ, BANKA, BIHAR, PIN-813102 |
| City | Banka |
| District | Banka |
| State | Bihar |
| STD Code | 620 |
| Phone | 5784705 |
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Banka Dist HQ branch in Banka, Bihar is part of this network and uses the IFSC code UCBA0003449 for all electronic settlement.
About the Banka Dist HQ branch
The Banka Dist HQ branch of UCO Bank is situated at BELOW ADB SBI, NEAR NAGAR PAISHAD OFFICE, ALIGANJ, BANKA, BIHAR, PIN-813102. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code UCBA0003449 is used.
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 BANKA DIST HQ of UCO Bank — its own 11-character IFSC. The code UCBA0003449 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 UCBA0003449 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 UCBA0003449
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 UCBA0003449 across all three.
NEFT to UCO Bank, BANKA DIST HQ using IFSC UCBA0003449
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 UCBA0003449, and confirm that the system picks up UCO Bank – BANKA DIST HQ. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0003449
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 – BANKA DIST HQ, ensure your bank's portal accepts IFSC UCBA0003449 while registering the beneficiary. RTGS is also available 24x7.
IMPS to UCO Bank BANKA DIST HQ (IFSC UCBA0003449)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0003449 in your mobile or internet banking app, and the money is credited to the BANKA DIST HQ branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Banka Dist HQ
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 UCBA0003449:
- 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 BANKA DIST HQ is still linked to IFSC UCBA0003449.
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.
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 BANKA DIST HQ branch, the IFSC UCBA0003449 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.
Account types you can open at the Banka Dist HQ branch
Once you have an account at UCO Bank – BANKA DIST HQ, the IFSC UCBA0003449 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.
Products and services
Customers walking into the Banka Dist HQ 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 UCBA0003449
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 UCBA0003449 and the account number together uniquely identify the Banka Dist HQ branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC UCBA0003449
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the BANKA DIST HQ 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 UCBA0003449 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 UCBA0003449
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 – BANKA DIST HQ, 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:
UCBA0003449. - 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 Banka Dist HQ branch
The branch is located at BELOW ADB SBI, NEAR NAGAR PAISHAD OFFICE, ALIGANJ, BANKA, BIHAR, PIN-813102, which puts it inside Banka, the broader Banka district, and the state of Bihar. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Banka Dist HQ branch” — the verified location pin for IFSC UCBA0003449 should appear at the top of the results.
- Confirm the branch is open by calling 620-5784705 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 UCBA0003449 and your account number.
Verifying IFSC UCBA0003449 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 UCBA0003449 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 620-5784705.
- 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 Banka Dist HQ branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0003449, however, work 24x7.
Branch address & contact
UCO BankBanka Dist HQ Branch
BELOW ADB SBI, NEAR NAGAR PAISHAD OFFICE, ALIGANJ, BANKA, BIHAR, PIN-813102
Banka, Bihar
Phone: 620-5784705
IFSC: UCBA0003449
Frequently asked questions
What is the phone number of UCO Bank Banka Dist HQ branch?
You can reach the branch at 620-5784705 during regular banking hours.
Is IFSC UCBA0003449 the same for all accounts at Banka Dist HQ branch?
Yes. The IFSC UCBA0003449 is shared by every account held at UCO Bank's Banka Dist HQ branch. Only the account number changes from customer to customer.
What is the IFSC code of UCO Bank Banka Dist HQ branch?
The IFSC code of UCO Bank, Banka Dist HQ branch is UCBA0003449. 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 Banka Dist HQ branch but serve different purposes.
How do I add UCO Bank Banka Dist HQ as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0003449, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UCBA0003449 valid for NEFT and RTGS?
Yes. IFSC UCBA0003449 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code UCBA0003449 belongs to UCO Bank's BANKA DIST HQ branch, located at BELOW ADB SBI, NEAR NAGAR PAISHAD OFFICE, ALIGANJ, BANKA, BIHAR, PIN-813102 in BANKA, 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.
