IFSC Code of UCO Bank, Jamugurihat Branch, Assam

Below are the complete branch details for UCO Bank, JAMUGURIHAT branch, located in JAMUGURIGHAT, ASSAM. The IFSC assigned by the Reserve Bank of India to this branch is UCBA0000503. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UCBA0000503 for UCO Bank – JAMUGURIHAT — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – JAMUGURIHAT is UCBA0000503. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000503 map to this branch in JAMUGURIGHAT, ASSAM.

Branch details at a glance

About the bank

UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Jamugurihat branch in Jamugurighat, Assam is part of this network and uses the IFSC code UCBA0000503 for all electronic settlement.

About this branch

The branch is located at UCO BANK, JAMUGURIHAT DIST SONITPUR ,SONITPUR ,ASSAM PIN 784180. It serves the Jamugurighat 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 UCBA0000503 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 JAMUGURIHAT branch came to be assigned the code UCBA0000503.

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 UCBA0000503, money simply cannot be routed to the JAMUGURIHAT branch electronically.

How to transfer money using IFSC UCBA0000503

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 UCBA0000503 across all three.

How to use IFSC UCBA0000503 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's JAMUGURIHAT 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UCBA0000503.
4. Confirm the bank name auto-populates as UCO Bank and the branch as JAMUGURIHAT.
5. 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 JAMUGURIHAT

If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's JAMUGURIHAT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0000503 while initiating the transfer and the credit will appear within minutes.

IMPS to UCO Bank JAMUGURIHAT (IFSC UCBA0000503)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0000503 in your mobile or internet banking app, and the money is credited to the JAMUGURIHAT branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Jamugurihat

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 UCBA0000503:

• 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 JAMUGURIHAT is still linked to IFSC UCBA0000503.

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.

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 JAMUGURIHAT branch, the IFSC UCBA0000503 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.

Account types you can open at the Jamugurihat branch

Once you have an account at UCO Bank – JAMUGURIHAT, the IFSC UCBA0000503 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Jamugurihat branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 3752-264443.

• 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 UCBA0000503

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 UCBA0000503 and the account number together uniquely identify the Jamugurihat branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC UCBA0000503

UCO Bank customers can register for net banking and the bank's official mobile app once their account at the JAMUGURIHAT 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 UCBA0000503 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.

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 – JAMUGURIHAT:

• The IFSC is exactly UCBA0000503 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 JAMUGURIHAT 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 Jamugurihat branch

The branch is located at UCO BANK, JAMUGURIHAT DIST SONITPUR ,SONITPUR ,ASSAM PIN 784180, which puts it inside Jamugurighat, the broader Lakhimpur district, and the state of Assam. To plan your visit:

1. Open Google Maps on your phone and search for “UCO Bank Jamugurihat branch” — the verified location pin for IFSC UCBA0000503 should appear at the top of the results.
2. Confirm the branch is open by calling 3752-264443 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 UCBA0000503 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UCBA0000503 for UCO Bank – JAMUGURIHAT, 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 Jamugurihat 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 UCBA0000503 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UCBA0000503 belongs to UCO Bank's JAMUGURIHAT branch, located at UCO BANK, JAMUGURIHAT DIST SONITPUR ,SONITPUR ,ASSAM PIN 784180 in JAMUGURIGHAT, 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.