Use this page as a one-stop reference for everything related to UCO Bank's SANKARHATI HOWRAH branch in HOWRAH, WEST BENGAL. The branch's IFSC code UCBA0000836 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.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For UCO Bank's SANKARHATI HOWRAH branch, the IFSC UCBA0000836 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 000836 identifies this particular branch.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Sankarhati Howrah |
| IFSC Code | UCBA0000836 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL SANKARHATI P.O. MUNSHIRHAT DIST. HOWRAH ,HAORA ,WEST BENGAL PIN 711410 |
| City | Howrah |
| District | Haora |
| State | West Bengal |
| STD Code | 33 |
| Phone | 232264 |
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Sankarhati Howrah branch in Howrah. 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, UCBA0000836.
Sankarhati Howrah branch overview
Located at VILL SANKARHATI P.O. MUNSHIRHAT DIST. HOWRAH ,HAORA ,WEST BENGAL PIN 711410, the Sankarhati 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 UCBA0000836 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 SANKARHATI HOWRAH branch came to be assigned the code UCBA0000836.
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 UCBA0000836, money simply cannot be routed to the SANKARHATI HOWRAH branch electronically.
How to transfer money using IFSC UCBA0000836
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 UCBA0000836 across all three.
NEFT to UCO Bank, SANKARHATI HOWRAH using IFSC UCBA0000836
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 UCBA0000836, and confirm that the system picks up UCO Bank – SANKARHATI HOWRAH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0000836
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 – SANKARHATI HOWRAH, ensure your bank's portal accepts IFSC UCBA0000836 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – SANKARHATI HOWRAH, use IMPS. With IFSC UCBA0000836 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 UCBA0000836 for UCO Bank – SANKARHATI 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.
| 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 – UCBA0000836 | Yes – UCBA0000836 | Yes – UCBA0000836 |
For most retail customers crediting the Sankarhati 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.
UPI payments and IFSC UCBA0000836
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 – SANKARHATI HOWRAH is still mapped to IFSC UCBA0000836. 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 UCBA0000836 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Sankarhati Howrah branch is mapped to IFSC UCBA0000836 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 UCBA0000836.
Banking services available
The Sankarhati Howrah branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-232264.
- 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 UCBA0000836
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 UCBA0000836 and the account number together uniquely identify the Sankarhati Howrah branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Sankarhati 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 UCBA0000836 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.
Common mistakes to avoid when using IFSC UCBA0000836
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 – SANKARHATI HOWRAH, 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:
UCBA0000836. - 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 Sankarhati Howrah branch
The branch is located at VILL SANKARHATI P.O. MUNSHIRHAT DIST. HOWRAH ,HAORA ,WEST BENGAL PIN 711410, which puts it inside Howrah, the broader Haora district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Sankarhati Howrah branch” — the verified location pin for IFSC UCBA0000836 should appear at the top of the results.
- Confirm the branch is open by calling 33-232264 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 UCBA0000836 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0000836 for UCO Bank – SANKARHATI 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.
Working hours
Branch counters at Sankarhati Howrah 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 UCBA0000836 continue to work without interruption.
Branch address & contact
UCO BankSankarhati Howrah Branch
VILL SANKARHATI P.O. MUNSHIRHAT DIST. HOWRAH ,HAORA ,WEST BENGAL PIN 711410
Howrah, West Bengal
Phone: 33-232264
IFSC: UCBA0000836
Frequently asked questions
Is IFSC UCBA0000836 the same for all accounts at Sankarhati Howrah branch?
Yes. The IFSC UCBA0000836 is shared by every account held at UCO Bank's Sankarhati Howrah branch. Only the account number changes from customer to customer.
Can I use IFSC UCBA0000836 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0000836 to send funds instantly.
Where is UCO Bank Sankarhati Howrah branch located?
UCO Bank's Sankarhati Howrah branch is located at VILL SANKARHATI P.O. MUNSHIRHAT DIST. HOWRAH ,HAORA ,WEST BENGAL PIN 711410, Howrah, West Bengal.
What is the IFSC code of UCO Bank Sankarhati Howrah branch?
The IFSC code of UCO Bank, Sankarhati Howrah branch is UCBA0000836. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does UCO Bank Sankarhati Howrah branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 33-232264 to confirm.
How quickly will an NEFT transfer using UCBA0000836 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Sankarhati Howrah reflect within 30 minutes.
Summary
The IFSC code UCBA0000836 belongs to UCO Bank's SANKARHATI HOWRAH branch, located at VILL SANKARHATI P.O. MUNSHIRHAT DIST. HOWRAH ,HAORA ,WEST BENGAL PIN 711410 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.
