IFSC Code of UCO Bank, Jhorehat Howrah Branch, West Bengal

Use this page as a one-stop reference for everything related to UCO Bank's JHOREHAT HOWRAH branch in HOWRAH, WEST BENGAL. The branch's IFSC code UCBA0000403 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, UCBA0000403 is the IFSC of UCO Bank's JHOREHAT HOWRAH branch. The format is fixed: UCBA = bank code, 0 = reserved, 000403 = branch identifier.

Bank profile

UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Jhorehat Howrah branch — IFSC UCBA0000403 — extends the bank's services to customers in and around Howrah, West Bengal.

Branch details at a glance

Jhorehat Howrah branch overview

Located at SHOVA APARTMENT ANDUL STATION ROAD CHOWMATHA JHOREHAT, HOWRAH ,HAORA ,WEST BENGAL PIN 711302, the Jhorehat Howrah branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0000403 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 JHOREHAT HOWRAH branch came to be assigned the code UCBA0000403.

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 UCBA0000403, money simply cannot be routed to the JHOREHAT HOWRAH branch electronically.

Products and account variants supported

Every account opened at the Jhorehat Howrah branch is mapped to IFSC UCBA0000403 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 UCBA0000403.

Banking services available

The Jhorehat Howrah branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-26690301.

• 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 UCBA0000403

How to transfer money using IFSC UCBA0000403

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 UCBA0000403 across all three.

NEFT to UCO Bank, JHOREHAT HOWRAH using IFSC UCBA0000403

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 UCBA0000403, and confirm that the system picks up UCO Bank – JHOREHAT HOWRAH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to JHOREHAT HOWRAH

If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's JHOREHAT HOWRAH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0000403 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to UCO Bank – JHOREHAT HOWRAH, use IMPS. With IFSC UCBA0000403 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 UCBA0000403 for UCO Bank – JHOREHAT HOWRAH, 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.

For most retail customers crediting the Jhorehat Howrah 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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at UCO Bank's JHOREHAT HOWRAH branch, the IFSC UCBA0000403 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Digital banking channels

Most day-to-day work that customers used to do at the Jhorehat Howrah 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 UCBA0000403 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 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 UCBA0000403 and the account number together uniquely identify the Jhorehat Howrah branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – JHOREHAT HOWRAH:

• The IFSC is exactly UCBA0000403 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 JHOREHAT HOWRAH 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.

How to reach the Jhorehat Howrah branch

The branch is located at SHOVA APARTMENT ANDUL STATION ROAD CHOWMATHA JHOREHAT, HOWRAH ,HAORA ,WEST BENGAL PIN 711302, which puts it inside Howrah, the broader Howrah district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “UCO Bank Jhorehat Howrah branch” — the verified location pin for IFSC UCBA0000403 should appear at the top of the results.
2. Confirm the branch is open by calling 33-26690301 before stepping out, especially around public holidays.
3. 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 UCBA0000403 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UCBA0000403 for UCO Bank – JHOREHAT HOWRAH, 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.

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 Jhorehat Howrah branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0000403, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UCBA0000403 belongs to UCO Bank's JHOREHAT HOWRAH branch, located at SHOVA APARTMENT ANDUL STATION ROAD CHOWMATHA JHOREHAT, HOWRAH ,HAORA ,WEST… in HOWRAH, WEST BENGAL. 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.