Use this page as a one-stop reference for everything related to UCO Bank's KHESAR branch in KHESAR, BIHAR. The branch's IFSC code UCBA0001129 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, UCBA0001129 is the IFSC of UCO Bank's KHESAR branch. The format is fixed: UCBA = bank code, 0 = reserved, 001129 = branch identifier.
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Khesar branch in Khesar. 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, UCBA0001129.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Khesar |
| IFSC Code | UCBA0001129 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL PO KHESAR, DIST. BANKA CITY BANKA , STATE BIHAR ,BANKA ,BIHAR PIN 813207 |
| City | Khesar |
| District | Banka |
| State | Bihar |
| STD Code | 6424 |
| Phone | 225064 |
About this branch
The branch is located at VILL PO KHESAR, DIST. BANKA CITY BANKA , STATE BIHAR ,BANKA ,BIHAR PIN 813207. It serves the Khesar 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 UCBA0001129 is used to identify this branch on the RBI payments network.
Why every UCO Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including KHESAR of UCO Bank — its own 11-character IFSC. The code UCBA0001129 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC UCBA0001129 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Khesar branch
Once you have an account at UCO Bank – KHESAR, the IFSC UCBA0001129 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 Khesar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 6424-225064.
- 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 UCBA0001129
How to transfer money using IFSC UCBA0001129
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 UCBA0001129 across all three.
How to use IFSC UCBA0001129 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's KHESAR 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC UCBA0001129.
- Confirm the bank name auto-populates as UCO Bank and the branch as KHESAR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UCBA0001129
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 – KHESAR, ensure your bank's portal accepts IFSC UCBA0001129 while registering the beneficiary. RTGS is also available 24x7.
IMPS to UCO Bank KHESAR (IFSC UCBA0001129)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0001129 in your mobile or internet banking app, and the money is credited to the KHESAR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0001129 for UCO Bank – KHESAR, 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 – UCBA0001129 | Yes – UCBA0001129 | Yes – UCBA0001129 |
For most retail customers crediting the Khesar 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 UCBA0001129
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 – KHESAR is still mapped to IFSC UCBA0001129. 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 UCBA0001129 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Khesar 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 UCBA0001129 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 & cheque-truncation details
Cheques drawn on the Khesar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0001129 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC UCBA0001129
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 – KHESAR, 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:
UCBA0001129. - 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 Khesar branch
The branch is located at VILL PO KHESAR, DIST. BANKA CITY BANKA , STATE BIHAR ,BANKA ,BIHAR PIN 813207, which puts it inside Khesar, the broader Banka district, and the state of Bihar. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Khesar branch” — the verified location pin for IFSC UCBA0001129 should appear at the top of the results.
- Confirm the branch is open by calling 6424-225064 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 UCBA0001129 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0001129 for UCO Bank – KHESAR, 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 Khesar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0001129, however, work 24x7.
Branch address & contact
UCO BankKhesar Branch
VILL PO KHESAR, DIST. BANKA CITY BANKA , STATE BIHAR ,BANKA ,BIHAR PIN 813207
Khesar, Bihar
Phone: 6424-225064
IFSC: UCBA0001129
Frequently asked questions
Can I use IFSC UCBA0001129 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0001129 to send funds instantly.
Is IFSC UCBA0001129 the same for all accounts at Khesar branch?
Yes. The IFSC UCBA0001129 is shared by every account held at UCO Bank's Khesar branch. Only the account number changes from customer to customer.
Is IFSC UCBA0001129 valid for NEFT and RTGS?
Yes. IFSC UCBA0001129 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does UCO Bank Khesar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 6424-225064 to confirm.
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 Khesar branch but serve different purposes.
How quickly will an NEFT transfer using UCBA0001129 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Khesar reflect within 30 minutes.
Summary
The IFSC code UCBA0001129 belongs to UCO Bank's KHESAR branch, located at VILL PO KHESAR, DIST. BANKA CITY BANKA , STATE BIHAR ,BANKA ,BIHAR PIN 813207 in KHESAR, 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.
