IFSC Code of UCO Bank, Kajraili Branch, Bihar

This page lists the IFSC code, branch address, contact number and fund-transfer information for UCO Bank, KAJRAILI branch in KAJRAILI. The 11-digit IFSC UCBA0001216 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 KAJRAILI 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.

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, UCBA0001216 is the IFSC of UCO Bank's KAJRAILI branch. The format is fixed: UCBA = bank code, 0 = reserved, 001216 = branch identifier.

Branch details at a glance

Bank profile

UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kajraili branch — IFSC UCBA0001216 — extends the bank's services to customers in and around Kajraili, Bihar.

About this branch

The branch is located at VILLAGE AND POST KAJRAILI DISTT BHAGALPUR BIHAR ,BHAGALPUR ,BIHAR PIN 812005. It serves the Kajraili 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 UCBA0001216 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 KAJRAILI branch came to be assigned the code UCBA0001216.

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 UCBA0001216, money simply cannot be routed to the KAJRAILI branch electronically.

How to transfer money using IFSC UCBA0001216

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 UCBA0001216 across all three.

How to use IFSC UCBA0001216 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's KAJRAILI 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 UCBA0001216.
4. Confirm the bank name auto-populates as UCO Bank and the branch as KAJRAILI.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UCBA0001216

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 – KAJRAILI, ensure your bank's portal accepts IFSC UCBA0001216 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to UCO Bank – KAJRAILI, use IMPS. With IFSC UCBA0001216 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 Kajraili

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 UCBA0001216:

• 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 KAJRAILI is still linked to IFSC UCBA0001216.

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.

UPI payments and IFSC UCBA0001216

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 – KAJRAILI is still mapped to IFSC UCBA0001216. 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 UCBA0001216 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kajraili branch is mapped to IFSC UCBA0001216 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 UCBA0001216.

Products and services

Customers walking into the Kajraili branch can access most of UCO Bank's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC UCBA0001216

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 UCBA0001216 and the account number together uniquely identify the Kajraili branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC UCBA0001216

UCO Bank customers can register for net banking and the bank's official mobile app once their account at the KAJRAILI 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 UCBA0001216 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 – KAJRAILI:

• The IFSC is exactly UCBA0001216 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 KAJRAILI 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.

Reaching the branch

The Kajraili branch sits at VILLAGE AND POST KAJRAILI DISTT BHAGALPUR BIHAR ,BHAGALPUR ,BIHAR PIN 812005. If you are travelling from outside Kajraili, search for the branch on a maps application using the bank name and locality, or call 641-2470064 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 UCBA0001216 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UCBA0001216 for UCO Bank – KAJRAILI, 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 Kajraili branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0001216, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UCBA0001216 belongs to UCO Bank's KAJRAILI branch, located at VILLAGE AND POST KAJRAILI DISTT BHAGALPUR BIHAR ,BHAGALPUR ,BIHAR PIN 812005 in KAJRAILI, BIHAR. 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.