If you are searching for the IFSC code of UCO Bank, CHAMPANAGAR branch in CHAMPANAGAR, BIHAR, this page has every detail you need. The verified IFSC code for this branch is UCBA0002495. 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 CHAMPANAGAR branch, and detailed step-by-step guides for using the IFSC UCBA0002495 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, UCBA0002495 is the IFSC of UCO Bank's CHAMPANAGAR branch. The format is fixed: UCBA = bank code, 0 = reserved, 002495 = branch identifier.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Champanagar |
| IFSC Code | UCBA0002495 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT CHAMPANAGAR,PO BANELI,DISTT PURNEA, PURNIA ,BIHAR PIN 854201 |
| City | Champanagar |
| District | Purnia |
| State | Bihar |
| STD Code | 91 |
| Phone | 9471629573 |
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Champanagar branch in Champanagar, Bihar is part of this network and uses the IFSC code UCBA0002495 for all electronic settlement.
Champanagar branch overview
Located at AT CHAMPANAGAR,PO BANELI,DISTT PURNEA, PURNIA ,BIHAR PIN 854201, the Champanagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0002495 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 CHAMPANAGAR branch came to be assigned the code UCBA0002495.
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 UCBA0002495, money simply cannot be routed to the CHAMPANAGAR branch electronically.
How to transfer money using IFSC UCBA0002495
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 UCBA0002495 across all three.
How to use IFSC UCBA0002495 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's CHAMPANAGAR 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 UCBA0002495.
- Confirm the bank name auto-populates as UCO Bank and the branch as CHAMPANAGAR.
- 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 CHAMPANAGAR
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's CHAMPANAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0002495 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 – CHAMPANAGAR, use IMPS. With IFSC UCBA0002495 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 UCBA0002495 for UCO Bank – CHAMPANAGAR, 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 – UCBA0002495 | Yes – UCBA0002495 | Yes – UCBA0002495 |
For most retail customers crediting the Champanagar 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 CHAMPANAGAR branch, the IFSC UCBA0002495 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 Champanagar branch is mapped to IFSC UCBA0002495 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 UCBA0002495.
Products and services
Customers walking into the Champanagar 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 UCBA0002495
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 UCBA0002495 and the account number together uniquely identify the Champanagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Champanagar 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 UCBA0002495 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.
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 – CHAMPANAGAR:
- The IFSC is exactly UCBA0002495 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 CHAMPANAGAR 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.
How to reach the Champanagar branch
The branch is located at AT CHAMPANAGAR,PO BANELI,DISTT PURNEA, PURNIA ,BIHAR PIN 854201, which puts it inside Champanagar, the broader Purnia district, and the state of Bihar. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Champanagar branch” — the verified location pin for IFSC UCBA0002495 should appear at the top of the results.
- Confirm the branch is open by calling 91-9471629573 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 UCBA0002495 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0002495 for UCO Bank – CHAMPANAGAR, 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.
Working hours
Branch counters at Champanagar 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 UCBA0002495 continue to work without interruption.
Branch address & contact
UCO BankChampanagar Branch
AT CHAMPANAGAR,PO BANELI,DISTT PURNEA, PURNIA ,BIHAR PIN 854201
Champanagar, Bihar
Phone: 91-9471629573
IFSC: UCBA0002495
Frequently asked questions
How do I add UCO Bank Champanagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0002495, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is UCO Bank Champanagar branch located?
UCO Bank's Champanagar branch is located at AT CHAMPANAGAR,PO BANELI,DISTT PURNEA, PURNIA ,BIHAR PIN 854201, Champanagar, Bihar.
Is IFSC UCBA0002495 the same for all accounts at Champanagar branch?
Yes. The IFSC UCBA0002495 is shared by every account held at UCO Bank's Champanagar branch. Only the account number changes from customer to customer.
Is IFSC UCBA0002495 valid for NEFT and RTGS?
Yes. IFSC UCBA0002495 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does UCO Bank Champanagar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9471629573 to confirm.
What is the phone number of UCO Bank Champanagar branch?
You can reach the branch at 91-9471629573 during regular banking hours.
How quickly will an NEFT transfer using UCBA0002495 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Champanagar reflect within 30 minutes.
Summary
The IFSC code UCBA0002495 belongs to UCO Bank's CHAMPANAGAR branch, located at AT CHAMPANAGAR,PO BANELI,DISTT PURNEA, PURNIA ,BIHAR PIN 854201 in CHAMPANAGAR, 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.
