Use this page as a one-stop reference for everything related to UCO Bank's KHOWANG branch in KHOWANG, ASSAM. The branch's IFSC code UCBA0000891 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, UCBA0000891 is the IFSC of UCO Bank's KHOWANG branch. The format is fixed: UCBA = bank code, 0 = reserved, 000891 = branch identifier.
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Khowang branch in Khowang, Assam is part of this network and uses the IFSC code UCBA0000891 for all electronic settlement.
About the Khowang branch
The Khowang branch of UCO Bank is situated at MORAN TOWN,A.T.ROAD,OPP. ASTC BUS STAND,GULSHAN MARKET COMPLEX,P.O. MORANHAT,DIST. DIBRUGARH, DIBRUGARH ,ASSAM PIN 785670. 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 UCBA0000891 is used.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Khowang |
| IFSC Code | UCBA0000891 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MORAN TOWN,A.T.ROAD,OPP. ASTC BUS STAND,GULSHAN MARKET COMPLEX,P.O. MORANHAT,DIST. DIBRUGARH, DIBRUGARH ,ASSAM PIN 785670 |
| City | Khowang |
| District | Dibrugarh |
| State | Assam |
| STD Code | 373 |
| Phone | 229200 |
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 KHOWANG branch came to be assigned the code UCBA0000891.
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 UCBA0000891, money simply cannot be routed to the KHOWANG branch electronically.
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 UCBA0000891 and the account number together uniquely identify the Khowang branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UCBA0000891
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 UCBA0000891 across all three.
NEFT to UCO Bank, KHOWANG using IFSC UCBA0000891
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 UCBA0000891, and confirm that the system picks up UCO Bank – KHOWANG. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0000891
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 – KHOWANG, ensure your bank's portal accepts IFSC UCBA0000891 while registering the beneficiary. RTGS is also available 24x7.
IMPS to UCO Bank KHOWANG (IFSC UCBA0000891)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0000891 in your mobile or internet banking app, and the money is credited to the KHOWANG branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0000891 for UCO Bank – KHOWANG, 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 – UCBA0000891 | Yes – UCBA0000891 | Yes – UCBA0000891 |
For most retail customers crediting the Khowang 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 UCBA0000891
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 – KHOWANG is still mapped to IFSC UCBA0000891. 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 UCBA0000891 and the beneficiary's account number to complete the transfer.
Account types you can open at the Khowang branch
Once you have an account at UCO Bank – KHOWANG, the IFSC UCBA0000891 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.
Products and services
Customers walking into the Khowang 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 UCBA0000891
Digital banking channels
Most day-to-day work that customers used to do at the Khowang 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 UCBA0000891 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.
How to reach the Khowang branch
The branch is located at MORAN TOWN,A.T.ROAD,OPP. ASTC BUS STAND,GULSHAN MARKET COMPLEX,P.O. MORANHAT,DIST. DIBRUGARH, DIBRUGARH ,ASSAM PIN 785670, which puts it inside Khowang, the broader Dibrugarh district, and the state of Assam. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Khowang branch” — the verified location pin for IFSC UCBA0000891 should appear at the top of the results.
- Confirm the branch is open by calling 373-229200 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 UCBA0000891 and your account number.
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 – KHOWANG:
- The IFSC is exactly UCBA0000891 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 KHOWANG 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.
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 Khowang branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0000891, however, work 24x7.
Verifying IFSC UCBA0000891 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 UCBA0000891 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 373-229200.
- Visiting the bank's official branch locator page.
Branch address & contact
UCO BankKhowang Branch
MORAN TOWN,A.T.ROAD,OPP. ASTC BUS STAND,GULSHAN MARKET COMPLEX,P.O. MORANHAT,DIST. DIBRUGARH, DIBRUGARH ,ASSAM PIN 785670
Khowang, Assam
Phone: 373-229200
IFSC: UCBA0000891
Frequently asked questions
Is IFSC UCBA0000891 valid for NEFT and RTGS?
Yes. IFSC UCBA0000891 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC UCBA0000891 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0000891 to send funds instantly.
Does UCO Bank Khowang branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 373-229200 to confirm.
Is IFSC UCBA0000891 the same for all accounts at Khowang branch?
Yes. The IFSC UCBA0000891 is shared by every account held at UCO Bank's Khowang branch. Only the account number changes from customer to customer.
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 Khowang branch but serve different purposes.
Where is UCO Bank Khowang branch located?
UCO Bank's Khowang branch is located at MORAN TOWN,A.T.ROAD,OPP. ASTC BUS STAND,GULSHAN MARKET COMPLEX,P.O. MORANHAT,DIST. DIBRUGARH, DIBRUGARH ,ASSAM PIN 785670, Khowang, Assam.
Summary
The IFSC code UCBA0000891 belongs to UCO Bank's KHOWANG branch, located at MORAN TOWN,A.T.ROAD,OPP. ASTC BUS STAND,GULSHAN MARKET COMPLEX,P.O.… in KHOWANG, 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.
