Use this page as a one-stop reference for everything related to UCO Bank's CHANGSARI branch in CHANGSARAI, ASSAM. The branch's IFSC code UCBA0003036 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, UCBA0003036 is the IFSC of UCO Bank's CHANGSARI branch. The format is fixed: UCBA = bank code, 0 = reserved, 003036 = branch identifier.
Bank profile
UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Changsari branch — IFSC UCBA0003036 — extends the bank's services to customers in and around Changsarai, Assam.
Changsari branch overview
Located at PO CHANGSARI N.H. 31 DIST KAMRUP ,KAMRUP ,ASSAM PIN 781101, the Changsari branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0003036 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Changsari |
| IFSC Code | UCBA0003036 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PO CHANGSARI N.H. 31 DIST KAMRUP ,KAMRUP ,ASSAM PIN 781101 |
| City | Changsarai |
| District | Kamrup |
| State | Assam |
| STD Code | 91 |
| Phone | 9678073440 |
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 CHANGSARI of UCO Bank — its own 11-character IFSC. The code UCBA0003036 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 UCBA0003036 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Changsari branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0003036 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 UCBA0003036
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 UCBA0003036 across all three.
How to use IFSC UCBA0003036 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's CHANGSARI 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 UCBA0003036.
- Confirm the bank name auto-populates as UCO Bank and the branch as CHANGSARI.
- 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 CHANGSARI
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's CHANGSARI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0003036 while initiating the transfer and the credit will appear within minutes.
IMPS to UCO Bank CHANGSARI (IFSC UCBA0003036)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0003036 in your mobile or internet banking app, and the money is credited to the CHANGSARI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0003036 for UCO Bank – CHANGSARI, 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 – UCBA0003036 | Yes – UCBA0003036 | Yes – UCBA0003036 |
For most retail customers crediting the Changsari 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 UCBA0003036
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 – CHANGSARI is still mapped to IFSC UCBA0003036. 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 UCBA0003036 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Changsari branch is mapped to IFSC UCBA0003036 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 UCBA0003036.
Banking services available
The Changsari branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9678073440.
- 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 UCBA0003036
Online banking and IFSC UCBA0003036
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the CHANGSARI 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 UCBA0003036 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.
How to reach the Changsari branch
The branch is located at PO CHANGSARI N.H. 31 DIST KAMRUP ,KAMRUP ,ASSAM PIN 781101, which puts it inside Changsarai, the broader Kamrup district, and the state of Assam. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Changsari branch” — the verified location pin for IFSC UCBA0003036 should appear at the top of the results.
- Confirm the branch is open by calling 91-9678073440 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 UCBA0003036 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 – CHANGSARI:
- The IFSC is exactly UCBA0003036 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 CHANGSARI 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.
Working hours
Branch counters at Changsari 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 UCBA0003036 continue to work without interruption.
Verifying IFSC UCBA0003036 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 UCBA0003036 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9678073440.
- Visiting the bank's official branch locator page.
Branch address & contact
UCO BankChangsari Branch
PO CHANGSARI N.H. 31 DIST KAMRUP ,KAMRUP ,ASSAM PIN 781101
Changsarai, Assam
Phone: 91-9678073440
IFSC: UCBA0003036
Frequently asked questions
Can I use IFSC UCBA0003036 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0003036 to send funds instantly.
Is IFSC UCBA0003036 valid for NEFT and RTGS?
Yes. IFSC UCBA0003036 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is UCO Bank Changsari branch located?
UCO Bank's Changsari branch is located at PO CHANGSARI N.H. 31 DIST KAMRUP ,KAMRUP ,ASSAM PIN 781101, Changsarai, Assam.
How do I add UCO Bank Changsari as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0003036, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UCBA0003036 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Changsari reflect within 30 minutes.
Is IFSC UCBA0003036 the same for all accounts at Changsari branch?
Yes. The IFSC UCBA0003036 is shared by every account held at UCO Bank's Changsari 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 Changsari branch but serve different purposes.
Final notes
To recap: UCBA0003036 is the IFSC code of UCO Bank, CHANGSARI branch, in CHANGSARAI, ASSAM. 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.
