IFSC Code of UCO Bank, Chaparhat Branch, Bihar

This page lists the IFSC code, branch address, contact number and fund-transfer information for UCO Bank, CHAPARHAT branch in CHAPARHAT. The 11-digit IFSC UCBA0001307 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with UCO Bank at the CHAPARHAT location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For UCO Bank's CHAPARHAT branch, the IFSC UCBA0001307 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 001307 identifies this particular branch.

About UCO Bank

UCO Bank operates a wide network of branches across India, including the Chaparhat branch in Chaparhat. 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, UCBA0001307.

About this branch

The branch is located at NEAR KATAREA STATION RANGRA CHOWK NAUGACHIA BHAGALPUR ,BHAGALPUR ,BIHAR PIN 853204. It serves the Chaparhat 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 UCBA0001307 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 CHAPARHAT of UCO Bank — its own 11-character IFSC. The code UCBA0001307 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 UCBA0001307 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 UCBA0001307 and the account number together uniquely identify the Chaparhat branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC UCBA0001307

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 UCBA0001307 across all three.

NEFT to UCO Bank, CHAPARHAT using IFSC UCBA0001307

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 UCBA0001307, and confirm that the system picks up UCO Bank – CHAPARHAT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CHAPARHAT

If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's CHAPARHAT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0001307 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 – CHAPARHAT, use IMPS. With IFSC UCBA0001307 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Chaparhat

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC UCBA0001307:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at CHAPARHAT is still linked to IFSC UCBA0001307.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

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 CHAPARHAT branch, the IFSC UCBA0001307 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.

Account types you can open at the Chaparhat branch

Once you have an account at UCO Bank – CHAPARHAT, the IFSC UCBA0001307 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Chaparhat 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 UCBA0001307

Online banking and IFSC UCBA0001307

UCO Bank customers can register for net banking and the bank's official mobile app once their account at the CHAPARHAT 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 UCBA0001307 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 Chaparhat branch

The branch is located at NEAR KATAREA STATION RANGRA CHOWK NAUGACHIA BHAGALPUR ,BHAGALPUR ,BIHAR PIN 853204, which puts it inside Chaparhat, the broader Bhagalpur district, and the state of Bihar. To plan your visit:

1. Open Google Maps on your phone and search for “UCO Bank Chaparhat branch” — the verified location pin for IFSC UCBA0001307 should appear at the top of the results.
2. Confirm the branch is open by calling 641-266572 before stepping out, especially around public holidays.
3. 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 UCBA0001307 and your account number.

Common mistakes to avoid when using IFSC UCBA0001307

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 – CHAPARHAT, 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: UCBA0001307.
• 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 Chaparhat 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 UCBA0001307 continue to work without interruption.

Verifying IFSC UCBA0001307 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 UCBA0001307 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 641-266572.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UCBA0001307 belongs to UCO Bank's CHAPARHAT branch, located at NEAR KATAREA STATION RANGRA CHOWK NAUGACHIA BHAGALPUR ,BHAGALPUR ,BIHAR PIN … in CHAPARHAT, 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.