This page lists the IFSC code, branch address, contact number and fund-transfer information for UCO Bank, JHAJHA branch in JHAJHA BIHAR. The 11-digit IFSC UCBA0000291 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with UCO Bank at the JHAJHA location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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 JHAJHA branch, the IFSC UCBA0000291 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 000291 identifies this particular branch.
Bank profile
UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Jhajha branch — IFSC UCBA0000291 — extends the bank's services to customers in and around Jhajha Bihar, Bihar.
About the Jhajha branch
The Jhajha branch of UCO Bank is situated at UCO BANK J.C.SHOW ROAD POST JHAJHA DISTT. JAMUI ,JAMUI ,BIHAR PIN 811308. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code UCBA0000291 is used.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Jhajha |
| IFSC Code | UCBA0000291 |
| MICR Code | Refer to cheque leaf |
| Branch Address | UCO BANK J.C.SHOW ROAD POST JHAJHA DISTT. JAMUI ,JAMUI ,BIHAR PIN 811308 |
| City | Jhajha Bihar |
| District | Jhajha Bihar |
| State | Bihar |
| STD Code | 6345 |
| Phone | 223106 |
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 JHAJHA branch came to be assigned the code UCBA0000291.
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 UCBA0000291, money simply cannot be routed to the JHAJHA branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Jhajha branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0000291 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC UCBA0000291
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 UCBA0000291 across all three.
NEFT to UCO Bank, JHAJHA using IFSC UCBA0000291
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 UCBA0000291, and confirm that the system picks up UCO Bank – JHAJHA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to JHAJHA
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's JHAJHA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0000291 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 – JHAJHA, use IMPS. With IFSC UCBA0000291 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Jhajha
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 UCBA0000291:
- 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 JHAJHA is still linked to IFSC UCBA0000291.
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 JHAJHA branch, the IFSC UCBA0000291 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.
Products and account variants supported
Every account opened at the Jhajha branch is mapped to IFSC UCBA0000291 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 UCBA0000291.
Banking services available
The Jhajha branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 6345-223106.
- 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 UCBA0000291
Online banking and IFSC UCBA0000291
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the JHAJHA 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 UCBA0000291 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.
How to reach the Jhajha branch
The branch is located at UCO BANK J.C.SHOW ROAD POST JHAJHA DISTT. JAMUI ,JAMUI ,BIHAR PIN 811308, which puts it inside Jhajha Bihar, the broader Jhajha Bihar district, and the state of Bihar. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Jhajha branch” — the verified location pin for IFSC UCBA0000291 should appear at the top of the results.
- Confirm the branch is open by calling 6345-223106 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 UCBA0000291 and your account number.
Common mistakes to avoid when using IFSC UCBA0000291
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 – JHAJHA, 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:
UCBA0000291. - 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.
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 Jhajha branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0000291, however, work 24x7.
Verifying IFSC UCBA0000291 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 UCBA0000291 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 6345-223106.
- Visiting the bank's official branch locator page.
Branch address & contact
UCO BankJhajha Branch
UCO BANK J.C.SHOW ROAD POST JHAJHA DISTT. JAMUI ,JAMUI ,BIHAR PIN 811308
Jhajha Bihar, Bihar
Phone: 6345-223106
IFSC: UCBA0000291
Frequently asked questions
How do I add UCO Bank Jhajha as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0000291, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC UCBA0000291 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0000291 to send funds instantly.
What is the phone number of UCO Bank Jhajha branch?
You can reach the branch at 6345-223106 during regular banking hours.
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 Jhajha branch but serve different purposes.
Is IFSC UCBA0000291 the same for all accounts at Jhajha branch?
Yes. The IFSC UCBA0000291 is shared by every account held at UCO Bank's Jhajha branch. Only the account number changes from customer to customer.
Does UCO Bank Jhajha branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 6345-223106 to confirm.
Final notes
To recap: UCBA0000291 is the IFSC code of UCO Bank, JHAJHA branch, in JHAJHA BIHAR, 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.
