If you are searching for the IFSC code of UCO Bank, KOCHADHAMAN branch in KOCHADAMIN, BIHAR, this page has every detail you need. The verified IFSC code for this branch is UCBA0001037. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the KOCHADHAMAN branch, and detailed step-by-step guides for using the IFSC UCBA0001037 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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 – KOCHADHAMAN is UCBA0001037. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001037 map to this branch in KOCHADAMIN, BIHAR.
Bank profile
UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kochadhaman branch — IFSC UCBA0001037 — extends the bank's services to customers in and around Kochadamin, Bihar.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Kochadhaman |
| IFSC Code | UCBA0001037 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL PO KOCHADHAMAN DIST KISHANGANJ ,KISHANGANJ ,BIHAR PIN 855115 |
| City | Kochadamin |
| District | Kishanganj |
| State | Bihar |
| STD Code | 6466 |
| Phone | 242505 |
About the Kochadhaman branch
The Kochadhaman branch of UCO Bank is situated at VILL PO KOCHADHAMAN DIST KISHANGANJ ,KISHANGANJ ,BIHAR PIN 855115. 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 UCBA0001037 is used.
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 KOCHADHAMAN of UCO Bank — its own 11-character IFSC. The code UCBA0001037 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 UCBA0001037 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Kochadhaman branch is mapped to IFSC UCBA0001037 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 UCBA0001037.
Banking services available
The Kochadhaman branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 6466-242505.
- 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 UCBA0001037
How to transfer money using IFSC UCBA0001037
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 UCBA0001037 across all three.
NEFT to UCO Bank, KOCHADHAMAN using IFSC UCBA0001037
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 UCBA0001037, and confirm that the system picks up UCO Bank – KOCHADHAMAN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KOCHADHAMAN
If you need to transfer ₹2 lakh or more in one go to an account at UCO Bank's KOCHADHAMAN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UCBA0001037 while initiating the transfer and the credit will appear within minutes.
IMPS to UCO Bank KOCHADHAMAN (IFSC UCBA0001037)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0001037 in your mobile or internet banking app, and the money is credited to the KOCHADHAMAN branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0001037 for UCO Bank – KOCHADHAMAN, 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 – UCBA0001037 | Yes – UCBA0001037 | Yes – UCBA0001037 |
For most retail customers crediting the Kochadhaman 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.
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 KOCHADHAMAN branch, the IFSC UCBA0001037 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.
Online banking and IFSC UCBA0001037
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the KOCHADHAMAN 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 UCBA0001037 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.
MICR & cheque-truncation details
Cheques drawn on the Kochadhaman branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0001037 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – KOCHADHAMAN:
- The IFSC is exactly UCBA0001037 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 KOCHADHAMAN 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 Kochadhaman branch
The branch is located at VILL PO KOCHADHAMAN DIST KISHANGANJ ,KISHANGANJ ,BIHAR PIN 855115, which puts it inside Kochadamin, the broader Kishanganj district, and the state of Bihar. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Kochadhaman branch” — the verified location pin for IFSC UCBA0001037 should appear at the top of the results.
- Confirm the branch is open by calling 6466-242505 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 UCBA0001037 and your account number.
Verifying IFSC UCBA0001037 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 UCBA0001037 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 6466-242505.
- Visiting the bank's official branch locator page.
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 Kochadhaman branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0001037, however, work 24x7.
Branch address & contact
UCO BankKochadhaman Branch
VILL PO KOCHADHAMAN DIST KISHANGANJ ,KISHANGANJ ,BIHAR PIN 855115
Kochadamin, Bihar
Phone: 6466-242505
IFSC: UCBA0001037
Frequently asked questions
Is IFSC UCBA0001037 the same for all accounts at Kochadhaman branch?
Yes. The IFSC UCBA0001037 is shared by every account held at UCO Bank's Kochadhaman branch. Only the account number changes from customer to customer.
What is the IFSC code of UCO Bank Kochadhaman branch?
The IFSC code of UCO Bank, Kochadhaman branch is UCBA0001037. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does UCO Bank Kochadhaman branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 6466-242505 to confirm.
How quickly will an NEFT transfer using UCBA0001037 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Kochadhaman reflect within 30 minutes.
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 Kochadhaman branch but serve different purposes.
Where is UCO Bank Kochadhaman branch located?
UCO Bank's Kochadhaman branch is located at VILL PO KOCHADHAMAN DIST KISHANGANJ ,KISHANGANJ ,BIHAR PIN 855115, Kochadamin, Bihar.
Can I use IFSC UCBA0001037 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0001037 to send funds instantly.
Final notes
To recap: UCBA0001037 is the IFSC code of UCO Bank, KOCHADHAMAN branch, in KOCHADAMIN, 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.
