Use this page as a one-stop reference for everything related to UCO Bank's GAURIPUR branch in GAURIPUR, ASSAM. The branch's IFSC code UCBA0000405 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.
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 – GAURIPUR is UCBA0000405. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000405 map to this branch in GAURIPUR, ASSAM.
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Gauripur branch in Gauripur. 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, UCBA0000405.
About the Gauripur branch
The Gauripur branch of UCO Bank is situated at WARD NO 2 GAURIPUR BRANCH DIST DHUBRI ,DHUBRI ,ASSAM PIN 783331. 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 UCBA0000405 is used.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Gauripur |
| IFSC Code | UCBA0000405 |
| MICR Code | Refer to cheque leaf |
| Branch Address | WARD NO 2 GAURIPUR BRANCH DIST DHUBRI ,DHUBRI ,ASSAM PIN 783331 |
| City | Gauripur |
| District | Dhubri |
| State | Assam |
| STD Code | 3662 |
| Phone | 281460 |
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 GAURIPUR branch came to be assigned the code UCBA0000405.
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 UCBA0000405, money simply cannot be routed to the GAURIPUR 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 UCBA0000405 and the account number together uniquely identify the Gauripur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UCBA0000405
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 UCBA0000405 across all three.
NEFT to UCO Bank, GAURIPUR using IFSC UCBA0000405
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 UCBA0000405, and confirm that the system picks up UCO Bank – GAURIPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0000405
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 – GAURIPUR, ensure your bank's portal accepts IFSC UCBA0000405 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – GAURIPUR, use IMPS. With IFSC UCBA0000405 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 Gauripur
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 UCBA0000405:
- 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 GAURIPUR is still linked to IFSC UCBA0000405.
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 UCBA0000405
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 – GAURIPUR is still mapped to IFSC UCBA0000405. 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 UCBA0000405 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Gauripur branch is mapped to IFSC UCBA0000405 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 UCBA0000405.
Products and services
Customers walking into the Gauripur 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 UCBA0000405
Digital banking channels
Most day-to-day work that customers used to do at the Gauripur 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 UCBA0000405 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.
How to reach the Gauripur branch
The branch is located at WARD NO 2 GAURIPUR BRANCH DIST DHUBRI ,DHUBRI ,ASSAM PIN 783331, which puts it inside Gauripur, the broader Dhubri district, and the state of Assam. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Gauripur branch” — the verified location pin for IFSC UCBA0000405 should appear at the top of the results.
- Confirm the branch is open by calling 3662-281460 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 UCBA0000405 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 – GAURIPUR:
- The IFSC is exactly UCBA0000405 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 GAURIPUR 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.
Working hours
Branch counters at Gauripur 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 UCBA0000405 continue to work without interruption.
Verifying IFSC UCBA0000405 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 UCBA0000405 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 3662-281460.
- Visiting the bank's official branch locator page.
Branch address & contact
UCO BankGauripur Branch
WARD NO 2 GAURIPUR BRANCH DIST DHUBRI ,DHUBRI ,ASSAM PIN 783331
Gauripur, Assam
Phone: 3662-281460
IFSC: UCBA0000405
Frequently asked questions
Is IFSC UCBA0000405 valid for NEFT and RTGS?
Yes. IFSC UCBA0000405 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC UCBA0000405 the same for all accounts at Gauripur branch?
Yes. The IFSC UCBA0000405 is shared by every account held at UCO Bank's Gauripur branch. Only the account number changes from customer to customer.
Does UCO Bank Gauripur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 3662-281460 to confirm.
Where is UCO Bank Gauripur branch located?
UCO Bank's Gauripur branch is located at WARD NO 2 GAURIPUR BRANCH DIST DHUBRI ,DHUBRI ,ASSAM PIN 783331, Gauripur, Assam.
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 Gauripur branch but serve different purposes.
Can I use IFSC UCBA0000405 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0000405 to send funds instantly.
How quickly will an NEFT transfer using UCBA0000405 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Gauripur reflect within 30 minutes.
Final notes
To recap: UCBA0000405 is the IFSC code of UCO Bank, GAURIPUR branch, in GAURIPUR, ASSAM. 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.
