Use this page as a one-stop reference for everything related to UCO Bank's PANJABARI branch in GUWAHATI, ASSAM. The branch's IFSC code UCBA0002879 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, UCBA0002879 is the IFSC of UCO Bank's PANJABARI branch. The format is fixed: UCBA = bank code, 0 = reserved, 002879 = branch identifier.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Panjabari |
| IFSC Code | UCBA0002879 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PANJABARI NEAR KALAKHETRA LANDMARK ASSAM LIVELIHOOD SOCIETY MISSION ,KAMRUP METROPOLITAN ,ASSAM PIN 781037 |
| City | Guwahati |
| District | Kamrup Metropolitan |
| State | Assam |
| STD Code | 91 |
| Phone | 8876591505 |
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Panjabari branch in Guwahati. 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, UCBA0002879.
About this branch
The branch is located at PANJABARI NEAR KALAKHETRA LANDMARK ASSAM LIVELIHOOD SOCIETY MISSION ,KAMRUP METROPOLITAN ,ASSAM PIN 781037. It serves the Guwahati 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 UCBA0002879 is used to identify this branch on the RBI payments network.
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 PANJABARI branch came to be assigned the code UCBA0002879.
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 UCBA0002879, money simply cannot be routed to the PANJABARI branch electronically.
How to transfer money using IFSC UCBA0002879
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 UCBA0002879 across all three.
How to use IFSC UCBA0002879 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's PANJABARI 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 UCBA0002879.
- Confirm the bank name auto-populates as UCO Bank and the branch as PANJABARI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to PANJABARI
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's PANJABARI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0002879 while initiating the transfer and the credit will appear within minutes.
IMPS to UCO Bank PANJABARI (IFSC UCBA0002879)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0002879 in your mobile or internet banking app, and the money is credited to the PANJABARI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0002879 for UCO Bank – PANJABARI, 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 – UCBA0002879 | Yes – UCBA0002879 | Yes – UCBA0002879 |
For most retail customers crediting the Panjabari 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 UCBA0002879
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 – PANJABARI is still mapped to IFSC UCBA0002879. 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 UCBA0002879 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Panjabari branch is mapped to IFSC UCBA0002879 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 UCBA0002879.
Banking services available
The Panjabari branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8876591505.
- 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 UCBA0002879
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 UCBA0002879 and the account number together uniquely identify the Panjabari branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC UCBA0002879
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the PANJABARI 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 UCBA0002879 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.
Common mistakes to avoid when using IFSC UCBA0002879
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 – PANJABARI, 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:
UCBA0002879. - 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 Panjabari branch sits at PANJABARI NEAR KALAKHETRA LANDMARK ASSAM LIVELIHOOD SOCIETY MISSION ,KAMRUP METROPOLITAN ,ASSAM PIN 781037. If you are travelling from outside Guwahati, search for the branch on a maps application using the bank name and locality, or call 91-8876591505 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 UCBA0002879 and your account number.
Verifying IFSC UCBA0002879 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 UCBA0002879 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-8876591505.
- Visiting the bank's official branch locator page.
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 Panjabari branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0002879, however, work 24x7.
Branch address & contact
UCO BankPanjabari Branch
PANJABARI NEAR KALAKHETRA LANDMARK ASSAM LIVELIHOOD SOCIETY MISSION ,KAMRUP METROPOLITAN ,ASSAM PIN 781037
Guwahati, Assam
Phone: 91-8876591505
IFSC: UCBA0002879
Frequently asked questions
Is IFSC UCBA0002879 the same for all accounts at Panjabari branch?
Yes. The IFSC UCBA0002879 is shared by every account held at UCO Bank's Panjabari branch. Only the account number changes from customer to customer.
How do I add UCO Bank Panjabari as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0002879, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of UCO Bank Panjabari branch?
The IFSC code of UCO Bank, Panjabari branch is UCBA0002879. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Panjabari branch but serve different purposes.
Does UCO Bank Panjabari branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-8876591505 to confirm.
Can I use IFSC UCBA0002879 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0002879 to send funds instantly.
What is the phone number of UCO Bank Panjabari branch?
You can reach the branch at 91-8876591505 during regular banking hours.
Summary
The IFSC code UCBA0002879 belongs to UCO Bank's PANJABARI branch, located at PANJABARI NEAR KALAKHETRA LANDMARK ASSAM LIVELIHOOD SOCIETY MISSION ,KAMRUP… in GUWAHATI, ASSAM. 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.
