IFSC Code of UCO Bank, Jorapokhar Branch, Jharkhand

Use this page as a one-stop reference for everything related to UCO Bank's JORAPOKHAR branch in DHANBAD, JHARKHAND. The branch's IFSC code UCBA0000293 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, UCBA0000293 is the IFSC of UCO Bank's JORAPOKHAR branch. The format is fixed: UCBA = bank code, 0 = reserved, 000293 = branch identifier.

Branch details at a glance

Bank profile

UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Jorapokhar branch — IFSC UCBA0000293 — extends the bank's services to customers in and around Dhanbad, Jharkhand.

Jorapokhar branch overview

Located at MOHAN BAZAR, P.O. PATHERDIH, DISTT. DHANBAD ,DHANBAD ,JHARKHAND PIN 828119, the Jorapokhar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0000293 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 JORAPOKHAR branch came to be assigned the code UCBA0000293.

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 UCBA0000293, money simply cannot be routed to the JORAPOKHAR branch electronically.

How to transfer money using IFSC UCBA0000293

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 UCBA0000293 across all three.

NEFT to UCO Bank, JORAPOKHAR using IFSC UCBA0000293

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 UCBA0000293, and confirm that the system picks up UCO Bank – JORAPOKHAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to JORAPOKHAR

If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's JORAPOKHAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0000293 while initiating the transfer and the credit will appear within minutes.

IMPS to UCO Bank JORAPOKHAR (IFSC UCBA0000293)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0000293 in your mobile or internet banking app, and the money is credited to the JORAPOKHAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Jorapokhar

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 UCBA0000293:

• 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 JORAPOKHAR is still linked to IFSC UCBA0000293.

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 UCBA0000293

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 – JORAPOKHAR is still mapped to IFSC UCBA0000293. 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 UCBA0000293 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Jorapokhar branch is mapped to IFSC UCBA0000293 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 UCBA0000293.

Products and services

Customers walking into the Jorapokhar 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 UCBA0000293

MICR & cheque-truncation details

Cheques drawn on the Jorapokhar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0000293 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Jorapokhar 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 UCBA0000293 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.

Common mistakes to avoid when using IFSC UCBA0000293

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 – JORAPOKHAR, 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: UCBA0000293.
• 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 Jorapokhar branch sits at MOHAN BAZAR, P.O. PATHERDIH, DISTT. DHANBAD ,DHANBAD ,JHARKHAND PIN 828119. If you are travelling from outside Dhanbad, search for the branch on a maps application using the bank name and locality, or call 326-2381727 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 UCBA0000293 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UCBA0000293 for UCO Bank – JORAPOKHAR, 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 Jorapokhar 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 UCBA0000293 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UCBA0000293 belongs to UCO Bank's JORAPOKHAR branch, located at MOHAN BAZAR, P.O. PATHERDIH, DISTT. DHANBAD ,DHANBAD ,JHARKHAND PIN 828119 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.