Use this page as a one-stop reference for everything related to UCO Bank's GORHATTA CHOWK branch in BHAGALPUR, BIHAR. The branch's IFSC code UCBA0001070 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.
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, UCBA0001070 is the IFSC of UCO Bank's GORHATTA CHOWK branch. The format is fixed: UCBA = bank code, 0 = reserved, 001070 = branch identifier.
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Gorhatta Chowk branch in Bhagalpur. 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, UCBA0001070.
About this branch
The branch is located at MOJAHIDPUR GORHATTA CHOWK BHAGALPUR BIHAR ,BHAGALPUR ,BIHAR PIN 812202. It serves the Bhagalpur 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 UCBA0001070 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Gorhatta Chowk |
| IFSC Code | UCBA0001070 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MOJAHIDPUR GORHATTA CHOWK BHAGALPUR BIHAR ,BHAGALPUR ,BIHAR PIN 812202 |
| City | Bhagalpur |
| District | Bhagalpur |
| State | Bihar |
| STD Code | 641 |
| Phone | 2421567 |
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 GORHATTA CHOWK of UCO Bank — its own 11-character IFSC. The code UCBA0001070 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 UCBA0001070 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 UCBA0001070 and the account number together uniquely identify the Gorhatta Chowk branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UCBA0001070
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 UCBA0001070 across all three.
NEFT to UCO Bank, GORHATTA CHOWK using IFSC UCBA0001070
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 UCBA0001070, and confirm that the system picks up UCO Bank – GORHATTA CHOWK. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0001070
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 – GORHATTA CHOWK, ensure your bank's portal accepts IFSC UCBA0001070 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – GORHATTA CHOWK, use IMPS. With IFSC UCBA0001070 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 UCBA0001070 for UCO Bank – GORHATTA CHOWK, 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 – UCBA0001070 | Yes – UCBA0001070 | Yes – UCBA0001070 |
For most retail customers crediting the Gorhatta Chowk 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 GORHATTA CHOWK branch, the IFSC UCBA0001070 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.
Products and account variants supported
Every account opened at the Gorhatta Chowk branch is mapped to IFSC UCBA0001070 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 UCBA0001070.
Banking services available
The Gorhatta Chowk branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 641-2421567.
- 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 UCBA0001070
Digital banking channels
Most day-to-day work that customers used to do at the Gorhatta Chowk 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 UCBA0001070 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 Gorhatta Chowk branch
The branch is located at MOJAHIDPUR GORHATTA CHOWK BHAGALPUR BIHAR ,BHAGALPUR ,BIHAR PIN 812202, which puts it inside Bhagalpur, the broader Bhagalpur district, and the state of Bihar. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Gorhatta Chowk branch” — the verified location pin for IFSC UCBA0001070 should appear at the top of the results.
- Confirm the branch is open by calling 641-2421567 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 UCBA0001070 and your account number.
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 – GORHATTA CHOWK:
- The IFSC is exactly UCBA0001070 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 GORHATTA CHOWK 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.
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 Gorhatta Chowk branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0001070, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0001070 for UCO Bank – GORHATTA CHOWK, 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 address & contact
UCO BankGorhatta Chowk Branch
MOJAHIDPUR GORHATTA CHOWK BHAGALPUR BIHAR ,BHAGALPUR ,BIHAR PIN 812202
Bhagalpur, Bihar
Phone: 641-2421567
IFSC: UCBA0001070
Frequently asked questions
What is the phone number of UCO Bank Gorhatta Chowk branch?
You can reach the branch at 641-2421567 during regular banking hours.
Where is UCO Bank Gorhatta Chowk branch located?
UCO Bank's Gorhatta Chowk branch is located at MOJAHIDPUR GORHATTA CHOWK BHAGALPUR BIHAR ,BHAGALPUR ,BIHAR PIN 812202, Bhagalpur, Bihar.
Is IFSC UCBA0001070 valid for NEFT and RTGS?
Yes. IFSC UCBA0001070 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC UCBA0001070 the same for all accounts at Gorhatta Chowk branch?
Yes. The IFSC UCBA0001070 is shared by every account held at UCO Bank's Gorhatta Chowk branch. Only the account number changes from customer to customer.
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 Gorhatta Chowk branch but serve different purposes.
Can I use IFSC UCBA0001070 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0001070 to send funds instantly.
How quickly will an NEFT transfer using UCBA0001070 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Gorhatta Chowk reflect within 30 minutes.
Summary
The IFSC code UCBA0001070 belongs to UCO Bank's GORHATTA CHOWK branch, located at MOJAHIDPUR GORHATTA CHOWK BHAGALPUR BIHAR ,BHAGALPUR ,BIHAR PIN 812202 in BHAGALPUR, 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.
