This page lists the IFSC code, branch address, contact number and fund-transfer information for UCO Bank, CHERRAPUNJI branch in CHERRAPUNJI. The 11-digit IFSC UCBA0000355 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 CHERRAPUNJI 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 CHERRAPUNJI branch, the IFSC UCBA0000355 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 000355 identifies this particular branch.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Cherrapunji |
| IFSC Code | UCBA0000355 |
| MICR Code | Refer to cheque leaf |
| Branch Address | P.O CHERRAPUNJEE, EAST KHASI HILLS ,EAST KHASI HILLS ,MEGHALAYA PIN 793108 |
| City | Cherrapunji |
| District | East Khasi Hills |
| State | Meghalaya |
| STD Code | 361 |
| Phone | 235247 |
Bank profile
UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Cherrapunji branch — IFSC UCBA0000355 — extends the bank's services to customers in and around Cherrapunji, Meghalaya.
Cherrapunji branch overview
Located at P.O CHERRAPUNJEE, EAST KHASI HILLS ,EAST KHASI HILLS ,MEGHALAYA PIN 793108, the Cherrapunji branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0000355 is required for all interbank electronic transfers routed through this branch.
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 CHERRAPUNJI of UCO Bank — its own 11-character IFSC. The code UCBA0000355 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 UCBA0000355 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC UCBA0000355
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 UCBA0000355 across all three.
NEFT to UCO Bank, CHERRAPUNJI using IFSC UCBA0000355
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 UCBA0000355, and confirm that the system picks up UCO Bank – CHERRAPUNJI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0000355
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 – CHERRAPUNJI, ensure your bank's portal accepts IFSC UCBA0000355 while registering the beneficiary. RTGS is also available 24x7.
IMPS to UCO Bank CHERRAPUNJI (IFSC UCBA0000355)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0000355 in your mobile or internet banking app, and the money is credited to the CHERRAPUNJI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0000355 for UCO Bank – CHERRAPUNJI, 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 – UCBA0000355 | Yes – UCBA0000355 | Yes – UCBA0000355 |
For most retail customers crediting the Cherrapunji 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 CHERRAPUNJI branch, the IFSC UCBA0000355 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 Cherrapunji branch is mapped to IFSC UCBA0000355 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 UCBA0000355.
Banking services available
The Cherrapunji branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 361-235247.
- 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 UCBA0000355
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 UCBA0000355 and the account number together uniquely identify the Cherrapunji branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC UCBA0000355
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the CHERRAPUNJI 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 UCBA0000355 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.
Common mistakes to avoid when using IFSC UCBA0000355
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 – CHERRAPUNJI, 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:
UCBA0000355. - 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.
Reaching the branch
The Cherrapunji branch sits at P.O CHERRAPUNJEE, EAST KHASI HILLS ,EAST KHASI HILLS ,MEGHALAYA PIN 793108. If you are travelling from outside Cherrapunji, search for the branch on a maps application using the bank name and locality, or call 361-235247 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 UCBA0000355 and your account number.
Verifying IFSC UCBA0000355 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 UCBA0000355 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 361-235247.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Cherrapunji 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 UCBA0000355 continue to work without interruption.
Branch address & contact
UCO BankCherrapunji Branch
P.O CHERRAPUNJEE, EAST KHASI HILLS ,EAST KHASI HILLS ,MEGHALAYA PIN 793108
Cherrapunji, Meghalaya
Phone: 361-235247
IFSC: UCBA0000355
Frequently asked questions
How do I add UCO Bank Cherrapunji as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0000355, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC UCBA0000355 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0000355 to send funds instantly.
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 Cherrapunji branch but serve different purposes.
Is IFSC UCBA0000355 the same for all accounts at Cherrapunji branch?
Yes. The IFSC UCBA0000355 is shared by every account held at UCO Bank's Cherrapunji branch. Only the account number changes from customer to customer.
What is the phone number of UCO Bank Cherrapunji branch?
You can reach the branch at 361-235247 during regular banking hours.
Is IFSC UCBA0000355 valid for NEFT and RTGS?
Yes. IFSC UCBA0000355 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is UCO Bank Cherrapunji branch located?
UCO Bank's Cherrapunji branch is located at P.O CHERRAPUNJEE, EAST KHASI HILLS ,EAST KHASI HILLS ,MEGHALAYA PIN 793108, Cherrapunji, Meghalaya.
Final notes
To recap: UCBA0000355 is the IFSC code of UCO Bank, CHERRAPUNJI branch, in CHERRAPUNJI, MEGHALAYA. 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.
