If you are searching for the IFSC code of UCO Bank, BASAHA branch in BASAHA, JHARKHAND, this page has every detail you need. The verified IFSC code for this branch is UCBA0001606. 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 BASAHA branch, and detailed step-by-step guides for using the IFSC UCBA0001606 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, UCBA0001606 is the IFSC of UCO Bank's BASAHA branch. The format is fixed: UCBA = bank code, 0 = reserved, 001606 = branch identifier.
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Basaha branch in Basaha. 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, UCBA0001606.
Basaha branch overview
Located at UCO BANK BASAHA PALOJORI P.O. PALOJORI DIST. DEOGHAR ,DEOGHAR ,JHARKHAND PIN 814146, the Basaha branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0001606 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Basaha |
| IFSC Code | UCBA0001606 |
| MICR Code | Refer to cheque leaf |
| Branch Address | UCO BANK BASAHA PALOJORI P.O. PALOJORI DIST. DEOGHAR ,DEOGHAR ,JHARKHAND PIN 814146 |
| City | Basaha |
| District | Deoghar |
| State | Jharkhand |
| STD Code | 6432 |
| Phone | 274802 |
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 BASAHA of UCO Bank — its own 11-character IFSC. The code UCBA0001606 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 UCBA0001606 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 UCBA0001606 and the account number together uniquely identify the Basaha branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UCBA0001606
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 UCBA0001606 across all three.
NEFT to UCO Bank, BASAHA using IFSC UCBA0001606
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 UCBA0001606, and confirm that the system picks up UCO Bank – BASAHA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BASAHA
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's BASAHA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0001606 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 – BASAHA, use IMPS. With IFSC UCBA0001606 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 UCBA0001606 for UCO Bank – BASAHA, 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 – UCBA0001606 | Yes – UCBA0001606 | Yes – UCBA0001606 |
For most retail customers crediting the Basaha 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 UCBA0001606
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 – BASAHA is still mapped to IFSC UCBA0001606. 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 UCBA0001606 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Basaha branch is mapped to IFSC UCBA0001606 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 UCBA0001606.
Products and services
Customers walking into the Basaha 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 UCBA0001606
Digital banking channels
Most day-to-day work that customers used to do at the Basaha 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 UCBA0001606 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.
How to reach the Basaha branch
The branch is located at UCO BANK BASAHA PALOJORI P.O. PALOJORI DIST. DEOGHAR ,DEOGHAR ,JHARKHAND PIN 814146, which puts it inside Basaha, the broader Deoghar district, and the state of Jharkhand. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Basaha branch” — the verified location pin for IFSC UCBA0001606 should appear at the top of the results.
- Confirm the branch is open by calling 6432-274802 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 UCBA0001606 and your account number.
Common mistakes to avoid when using IFSC UCBA0001606
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 – BASAHA, 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:
UCBA0001606. - 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.
Working hours
Branch counters at Basaha 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 UCBA0001606 continue to work without interruption.
Verifying IFSC UCBA0001606 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 UCBA0001606 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 6432-274802.
- Visiting the bank's official branch locator page.
Branch address & contact
UCO BankBasaha Branch
UCO BANK BASAHA PALOJORI P.O. PALOJORI DIST. DEOGHAR ,DEOGHAR ,JHARKHAND PIN 814146
Basaha, Jharkhand
Phone: 6432-274802
IFSC: UCBA0001606
Frequently asked questions
How do I add UCO Bank Basaha as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0001606, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Basaha branch but serve different purposes.
How quickly will an NEFT transfer using UCBA0001606 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Basaha reflect within 30 minutes.
What is the IFSC code of UCO Bank Basaha branch?
The IFSC code of UCO Bank, Basaha branch is UCBA0001606. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UCBA0001606 the same for all accounts at Basaha branch?
Yes. The IFSC UCBA0001606 is shared by every account held at UCO Bank's Basaha branch. Only the account number changes from customer to customer.
Where is UCO Bank Basaha branch located?
UCO Bank's Basaha branch is located at UCO BANK BASAHA PALOJORI P.O. PALOJORI DIST. DEOGHAR ,DEOGHAR ,JHARKHAND PIN 814146, Basaha, Jharkhand.
Is IFSC UCBA0001606 valid for NEFT and RTGS?
Yes. IFSC UCBA0001606 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: UCBA0001606 is the IFSC code of UCO Bank, BASAHA branch, in BASAHA, JHARKHAND. 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.
