Use this page as a one-stop reference for everything related to UCO Bank's GULNIKUSHA branch in GULLI KUSHAHA, BIHAR. The branch's IFSC code UCBA0001375 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, UCBA0001375 is the IFSC of UCO Bank's GULNIKUSHA branch. The format is fixed: UCBA = bank code, 0 = reserved, 001375 = branch identifier.
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Gulnikusha branch in Gulli Kushaha. 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, UCBA0001375.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Gulnikusha |
| IFSC Code | UCBA0001375 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL AND PO GULNIKUSHA PS SAMBHUGANG, DT BANKA ,BANKA ,BIHAR PIN 813211 |
| City | Gulli Kushaha |
| District | Banka |
| State | Bihar |
| STD Code | 91 |
| Phone | 8092461008 |
About this branch
The branch is located at VILL AND PO GULNIKUSHA PS SAMBHUGANG, DT BANKA ,BANKA ,BIHAR PIN 813211. It serves the Gulli Kushaha region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of UCO Bank. The IFSC UCBA0001375 is used to identify this branch on the RBI payments network.
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 GULNIKUSHA of UCO Bank — its own 11-character IFSC. The code UCBA0001375 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 UCBA0001375 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Gulnikusha branch is mapped to IFSC UCBA0001375 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 UCBA0001375.
Products and services
Customers walking into the Gulnikusha 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 UCBA0001375
How to transfer money using IFSC UCBA0001375
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 UCBA0001375 across all three.
How to use IFSC UCBA0001375 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's GULNIKUSHA 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 UCBA0001375.
- Confirm the bank name auto-populates as UCO Bank and the branch as GULNIKUSHA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UCBA0001375
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 – GULNIKUSHA, ensure your bank's portal accepts IFSC UCBA0001375 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – GULNIKUSHA, use IMPS. With IFSC UCBA0001375 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0001375 for UCO Bank – GULNIKUSHA, 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 – UCBA0001375 | Yes – UCBA0001375 | Yes – UCBA0001375 |
For most retail customers crediting the Gulnikusha 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 UCBA0001375
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 – GULNIKUSHA is still mapped to IFSC UCBA0001375. 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 UCBA0001375 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Gulnikusha 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 UCBA0001375 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.
MICR & cheque-truncation details
Cheques drawn on the Gulnikusha branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0001375 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 UCBA0001375
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 – GULNIKUSHA, 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:
UCBA0001375. - 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 Gulnikusha branch sits at VILL AND PO GULNIKUSHA PS SAMBHUGANG, DT BANKA ,BANKA ,BIHAR PIN 813211. If you are travelling from outside Gulli Kushaha, search for the branch on a maps application using the bank name and locality, or call 91-8092461008 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 UCBA0001375 and your account number.
Verifying IFSC UCBA0001375 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 UCBA0001375 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-8092461008.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Gulnikusha 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 UCBA0001375 continue to work without interruption.
Branch address & contact
UCO BankGulnikusha Branch
VILL AND PO GULNIKUSHA PS SAMBHUGANG, DT BANKA ,BANKA ,BIHAR PIN 813211
Gulli Kushaha, Bihar
Phone: 91-8092461008
IFSC: UCBA0001375
Frequently asked questions
Is IFSC UCBA0001375 the same for all accounts at Gulnikusha branch?
Yes. The IFSC UCBA0001375 is shared by every account held at UCO Bank's Gulnikusha branch. Only the account number changes from customer to customer.
Is IFSC UCBA0001375 valid for NEFT and RTGS?
Yes. IFSC UCBA0001375 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of UCO Bank Gulnikusha branch?
You can reach the branch at 91-8092461008 during regular banking hours.
How do I add UCO Bank Gulnikusha as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0001375, and complete OTP verification. Once activated, you can transfer funds at any time.
Does UCO Bank Gulnikusha branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-8092461008 to confirm.
Where is UCO Bank Gulnikusha branch located?
UCO Bank's Gulnikusha branch is located at VILL AND PO GULNIKUSHA PS SAMBHUGANG, DT BANKA ,BANKA ,BIHAR PIN 813211, Gulli Kushaha, Bihar.
Final notes
To recap: UCBA0001375 is the IFSC code of UCO Bank, GULNIKUSHA branch, in GULLI KUSHAHA, BIHAR. 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.
