Below are the complete branch details for UCO Bank, BARA branch, located in CHAKAND, BIHAR. The IFSC assigned by the Reserve Bank of India to this branch is UCBA0001639. 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 UCBA0001639 for UCO Bank – BARA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, UCBA0001639 is the IFSC of UCO Bank's BARA branch. The format is fixed: UCBA = bank code, 0 = reserved, 001639 = branch identifier.
Bank profile
UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Bara branch — IFSC UCBA0001639 — extends the bank's services to customers in and around Chakand, Bihar.
About this branch
The branch is located at AT PO BARA DIST GAYA ,GAYA ,BIHAR PIN 804404. It serves the Chakand 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 UCBA0001639 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Bara |
| IFSC Code | UCBA0001639 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT PO BARA DIST GAYA ,GAYA ,BIHAR PIN 804404 |
| City | Chakand |
| District | Gaya |
| State | Bihar |
| STD Code | 631 |
| Phone | 2471403 |
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 BARA branch came to be assigned the code UCBA0001639.
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 UCBA0001639, money simply cannot be routed to the BARA branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Bara branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0001639 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC UCBA0001639
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 UCBA0001639 across all three.
NEFT to UCO Bank, BARA using IFSC UCBA0001639
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 UCBA0001639, and confirm that the system picks up UCO Bank – BARA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0001639
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 – BARA, ensure your bank's portal accepts IFSC UCBA0001639 while registering the beneficiary. RTGS is also available 24x7.
IMPS to UCO Bank BARA (IFSC UCBA0001639)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0001639 in your mobile or internet banking app, and the money is credited to the BARA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0001639 for UCO Bank – BARA, 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 – UCBA0001639 | Yes – UCBA0001639 | Yes – UCBA0001639 |
For most retail customers crediting the Bara 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 UCBA0001639
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 – BARA is still mapped to IFSC UCBA0001639. 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 UCBA0001639 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Bara branch is mapped to IFSC UCBA0001639 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 UCBA0001639.
Banking services available
The Bara branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 631-2471403.
- 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 UCBA0001639
Digital banking channels
Most day-to-day work that customers used to do at the Bara 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 UCBA0001639 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.
Reaching the branch
The Bara branch sits at AT PO BARA DIST GAYA ,GAYA ,BIHAR PIN 804404. If you are travelling from outside Chakand, search for the branch on a maps application using the bank name and locality, or call 631-2471403 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 UCBA0001639 and your account number.
Common mistakes to avoid when using IFSC UCBA0001639
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 – BARA, 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:
UCBA0001639. - 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 Bara 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 UCBA0001639 continue to work without interruption.
Verifying IFSC UCBA0001639 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 UCBA0001639 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 631-2471403.
- Visiting the bank's official branch locator page.
Branch address & contact
UCO BankBara Branch
AT PO BARA DIST GAYA ,GAYA ,BIHAR PIN 804404
Chakand, Bihar
Phone: 631-2471403
IFSC: UCBA0001639
Frequently asked questions
How quickly will an NEFT transfer using UCBA0001639 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Bara reflect within 30 minutes.
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 Bara branch but serve different purposes.
Can I use IFSC UCBA0001639 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0001639 to send funds instantly.
What is the IFSC code of UCO Bank Bara branch?
The IFSC code of UCO Bank, Bara branch is UCBA0001639. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does UCO Bank Bara branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 631-2471403 to confirm.
Is IFSC UCBA0001639 the same for all accounts at Bara branch?
Yes. The IFSC UCBA0001639 is shared by every account held at UCO Bank's Bara branch. Only the account number changes from customer to customer.
How do I add UCO Bank Bara as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0001639, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code UCBA0001639 belongs to UCO Bank's BARA branch, located at AT PO BARA DIST GAYA ,GAYA ,BIHAR PIN 804404 in CHAKAND, 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.
