Below are the complete branch details for UCO Bank, DHANBAD MAIN branch, located in DHANBAD, JHARKHAND. The IFSC assigned by the Reserve Bank of India to this branch is UCBA0000146. 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 UCBA0000146 for UCO Bank – DHANBAD MAIN — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for UCO Bank – DHANBAD MAIN is UCBA0000146. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000146 map to this branch in DHANBAD, JHARKHAND.
Bank profile
UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Dhanbad Main branch — IFSC UCBA0000146 — extends the bank's services to customers in and around Dhanbad, Jharkhand.
About the Dhanbad Main branch
The Dhanbad Main branch of UCO Bank is situated at RATHORE MANSION BANK MORE DHANBAD ,DHANBAD ,JHARKHAND PIN 826001. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code UCBA0000146 is used.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Dhanbad Main |
| IFSC Code | UCBA0000146 |
| MICR Code | Refer to cheque leaf |
| Branch Address | RATHORE MANSION BANK MORE DHANBAD ,DHANBAD ,JHARKHAND PIN 826001 |
| City | Dhanbad |
| District | Dhanbad |
| State | Jharkhand |
| STD Code | 326 |
| Phone | 2303149 |
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 DHANBAD MAIN branch came to be assigned the code UCBA0000146.
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 UCBA0000146, money simply cannot be routed to the DHANBAD MAIN branch electronically.
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 UCBA0000146 and the account number together uniquely identify the Dhanbad Main branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UCBA0000146
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 UCBA0000146 across all three.
How to use IFSC UCBA0000146 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's DHANBAD MAIN 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 UCBA0000146.
- Confirm the bank name auto-populates as UCO Bank and the branch as DHANBAD MAIN.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UCBA0000146
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 – DHANBAD MAIN, ensure your bank's portal accepts IFSC UCBA0000146 while registering the beneficiary. RTGS is also available 24x7.
IMPS to UCO Bank DHANBAD MAIN (IFSC UCBA0000146)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0000146 in your mobile or internet banking app, and the money is credited to the DHANBAD MAIN branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Dhanbad Main
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 UCBA0000146:
- 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 DHANBAD MAIN is still linked to IFSC UCBA0000146.
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.
UPI payments and IFSC UCBA0000146
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 – DHANBAD MAIN is still mapped to IFSC UCBA0000146. 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 UCBA0000146 and the beneficiary's account number to complete the transfer.
Account types you can open at the Dhanbad Main branch
Once you have an account at UCO Bank – DHANBAD MAIN, the IFSC UCBA0000146 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.
Banking services available
The Dhanbad Main branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 326-2303149.
- 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 UCBA0000146
Online banking and IFSC UCBA0000146
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the DHANBAD MAIN 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 UCBA0000146 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.
Reaching the branch
The Dhanbad Main branch sits at RATHORE MANSION BANK MORE DHANBAD ,DHANBAD ,JHARKHAND PIN 826001. If you are travelling from outside Dhanbad, search for the branch on a maps application using the bank name and locality, or call 326-2303149 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 UCBA0000146 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 – DHANBAD MAIN:
- The IFSC is exactly UCBA0000146 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 DHANBAD MAIN 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.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Dhanbad Main branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0000146, however, work 24x7.
Verifying IFSC UCBA0000146 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 UCBA0000146 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 326-2303149.
- Visiting the bank's official branch locator page.
Branch address & contact
UCO BankDhanbad Main Branch
RATHORE MANSION BANK MORE DHANBAD ,DHANBAD ,JHARKHAND PIN 826001
Dhanbad, Jharkhand
Phone: 326-2303149
IFSC: UCBA0000146
Frequently asked questions
Where is UCO Bank Dhanbad Main branch located?
UCO Bank's Dhanbad Main branch is located at RATHORE MANSION BANK MORE DHANBAD ,DHANBAD ,JHARKHAND PIN 826001, Dhanbad, Jharkhand.
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 Dhanbad Main branch but serve different purposes.
What is the phone number of UCO Bank Dhanbad Main branch?
You can reach the branch at 326-2303149 during regular banking hours.
What is the IFSC code of UCO Bank Dhanbad Main branch?
The IFSC code of UCO Bank, Dhanbad Main branch is UCBA0000146. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UCBA0000146 valid for NEFT and RTGS?
Yes. IFSC UCBA0000146 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using UCBA0000146 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Dhanbad Main reflect within 30 minutes.
Summary
The IFSC code UCBA0000146 belongs to UCO Bank's DHANBAD MAIN branch, located at RATHORE MANSION BANK MORE DHANBAD ,DHANBAD ,JHARKHAND PIN 826001 in DHANBAD, JHARKHAND. 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.
