IFSC Code of UCO Bank, Mandia Branch, Assam

This page lists the IFSC code, branch address, contact number and fund-transfer information for UCO Bank, MANDIA branch in MANDIA. The 11-digit IFSC UCBA0002823 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 MANDIA 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 MANDIA branch, the IFSC UCBA0002823 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 002823 identifies this particular branch.

About the bank

UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Mandia branch in Mandia, Assam is part of this network and uses the IFSC code UCBA0002823 for all electronic settlement.

Branch details at a glance

About the Mandia branch

The Mandia branch of UCO Bank is situated at UCO BANK , MANDIA VILL PO MANDIA DIST BARPETA ,BARPETA ,ASSAM PIN 781308. 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 UCBA0002823 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 MANDIA of UCO Bank — its own 11-character IFSC. The code UCBA0002823 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 UCBA0002823 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 Mandia branch

Once you have an account at UCO Bank – MANDIA, the IFSC UCBA0002823 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 Mandia branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9556511116.

• 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 UCBA0002823

How to transfer money using IFSC UCBA0002823

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 UCBA0002823 across all three.

How to use IFSC UCBA0002823 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's MANDIA 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 UCBA0002823.
4. Confirm the bank name auto-populates as UCO Bank and the branch as MANDIA.
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 UCBA0002823

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 – MANDIA, ensure your bank's portal accepts IFSC UCBA0002823 while registering the beneficiary. RTGS is also available 24x7.

IMPS to UCO Bank MANDIA (IFSC UCBA0002823)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0002823 in your mobile or internet banking app, and the money is credited to the MANDIA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Mandia

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 UCBA0002823:

• 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 MANDIA is still linked to IFSC UCBA0002823.

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 MANDIA branch, the IFSC UCBA0002823 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 UCBA0002823

UCO Bank customers can register for net banking and the bank's official mobile app once their account at the MANDIA 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 UCBA0002823 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 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 UCBA0002823 and the account number together uniquely identify the Mandia branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – MANDIA:

• The IFSC is exactly UCBA0002823 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 MANDIA 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 Mandia branch

The branch is located at UCO BANK , MANDIA VILL PO MANDIA DIST BARPETA ,BARPETA ,ASSAM PIN 781308, which puts it inside Mandia, the broader Barpeta district, and the state of Assam. To plan your visit:

1. Open Google Maps on your phone and search for “UCO Bank Mandia branch” — the verified location pin for IFSC UCBA0002823 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9556511116 before stepping out, especially around public holidays.
3. 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 UCBA0002823 and your account number.

Verifying IFSC UCBA0002823 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 UCBA0002823 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9556511116.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Mandia are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to UCBA0002823 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UCBA0002823 is the IFSC code of UCO Bank, MANDIA branch, in MANDIA, ASSAM. 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.