This page lists the IFSC code, branch address, contact number and fund-transfer information for UCO Bank, MAKUNDA branch in DHANBAD. The 11-digit IFSC UCBA0001625 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 MAKUNDA 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.
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, UCBA0001625 is the IFSC of UCO Bank's MAKUNDA branch. The format is fixed: UCBA = bank code, 0 = reserved, 001625 = branch identifier.
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Makunda branch in Dhanbad. 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, UCBA0001625.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Makunda |
| IFSC Code | UCBA0001625 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PO PARGHA DIST DHANBAD, DHANBAD ,JHARKHAND PIN 828181 |
| City | Dhanbad |
| District | Dhanbad |
| State | Jharkhand |
| STD Code | 326 |
| Phone | 2290240 |
About the Makunda branch
The Makunda branch of UCO Bank is situated at PO PARGHA DIST DHANBAD, DHANBAD ,JHARKHAND PIN 828181. 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 UCBA0001625 is used.
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 MAKUNDA branch came to be assigned the code UCBA0001625.
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 UCBA0001625, money simply cannot be routed to the MAKUNDA branch electronically.
Account types you can open at the Makunda branch
Once you have an account at UCO Bank – MAKUNDA, the IFSC UCBA0001625 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 Makunda branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 326-2290240.
- 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 UCBA0001625
How to transfer money using IFSC UCBA0001625
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 UCBA0001625 across all three.
NEFT to UCO Bank, MAKUNDA using IFSC UCBA0001625
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 UCBA0001625, and confirm that the system picks up UCO Bank – MAKUNDA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to MAKUNDA
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's MAKUNDA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0001625 while initiating the transfer and the credit will appear within minutes.
IMPS to UCO Bank MAKUNDA (IFSC UCBA0001625)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0001625 in your mobile or internet banking app, and the money is credited to the MAKUNDA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0001625 for UCO Bank – MAKUNDA, 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 – UCBA0001625 | Yes – UCBA0001625 | Yes – UCBA0001625 |
For most retail customers crediting the Makunda 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 UCBA0001625
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 – MAKUNDA is still mapped to IFSC UCBA0001625. 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 UCBA0001625 and the beneficiary's account number to complete the transfer.
Online banking and IFSC UCBA0001625
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the MAKUNDA 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 UCBA0001625 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.
MICR & cheque-truncation details
Cheques drawn on the Makunda branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0001625 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC UCBA0001625
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 – MAKUNDA, 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:
UCBA0001625. - 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.
How to reach the Makunda branch
The branch is located at PO PARGHA DIST DHANBAD, DHANBAD ,JHARKHAND PIN 828181, which puts it inside Dhanbad, the broader Dhanbad district, and the state of Jharkhand. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Makunda branch” — the verified location pin for IFSC UCBA0001625 should appear at the top of the results.
- Confirm the branch is open by calling 326-2290240 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 UCBA0001625 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0001625 for UCO Bank – MAKUNDA, 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 Makunda 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 UCBA0001625 continue to work without interruption.
Branch address & contact
UCO BankMakunda Branch
PO PARGHA DIST DHANBAD, DHANBAD ,JHARKHAND PIN 828181
Dhanbad, Jharkhand
Phone: 326-2290240
IFSC: UCBA0001625
Frequently asked questions
Can I use IFSC UCBA0001625 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0001625 to send funds instantly.
How do I add UCO Bank Makunda as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0001625, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is UCO Bank Makunda branch located?
UCO Bank's Makunda branch is located at PO PARGHA DIST DHANBAD, DHANBAD ,JHARKHAND PIN 828181, Dhanbad, Jharkhand.
Is IFSC UCBA0001625 the same for all accounts at Makunda branch?
Yes. The IFSC UCBA0001625 is shared by every account held at UCO Bank's Makunda branch. Only the account number changes from customer to customer.
Does UCO Bank Makunda branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 326-2290240 to confirm.
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 Makunda branch but serve different purposes.
How quickly will an NEFT transfer using UCBA0001625 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Makunda reflect within 30 minutes.
Summary
The IFSC code UCBA0001625 belongs to UCO Bank's MAKUNDA branch, located at PO PARGHA DIST DHANBAD, DHANBAD ,JHARKHAND PIN 828181 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.
