If you are searching for the IFSC code of UCO Bank, JHOWDANGA PT II branch in MANKACHAR, ASSAM, this page has every detail you need. The verified IFSC code for this branch is UCBA0002639. 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 JHOWDANGA PT II branch, and detailed step-by-step guides for using the IFSC UCBA0002639 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 – JHOWDANGA PT II is UCBA0002639. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002639 map to this branch in MANKACHAR, ASSAM.
Bank profile
UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Jhowdanga Pt Ii branch — IFSC UCBA0002639 — extends the bank's services to customers in and around Mankachar, Assam.
Jhowdanga Pt Ii branch overview
Located at VILL. BAGHARCHAR P.O. JHOWDANGA P.S. MANKACHAR PIN 783131 DIST DHUBRI ASSAM DIST. DHUBRI ,SOUTH SALMARA MANKACHAR ,ASSAM PIN 783131, the Jhowdanga Pt Ii branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0002639 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Jhowdanga Pt Ii |
| IFSC Code | UCBA0002639 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL. BAGHARCHAR P.O. JHOWDANGA P.S. MANKACHAR PIN 783131 DIST DHUBRI ASSAM DIST. DHUBRI ,SOUTH SALMARA MANKACHAR ,ASSAM PIN 783131 |
| City | Mankachar |
| District | Dhubri |
| State | Assam |
| STD Code | 91 |
| Phone | 9864188250 |
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 JHOWDANGA PT II branch came to be assigned the code UCBA0002639.
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 UCBA0002639, money simply cannot be routed to the JHOWDANGA PT II branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Jhowdanga Pt Ii branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0002639 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC UCBA0002639
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 UCBA0002639 across all three.
How to use IFSC UCBA0002639 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's JHOWDANGA PT II 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 UCBA0002639.
- Confirm the bank name auto-populates as UCO Bank and the branch as JHOWDANGA PT II.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UCBA0002639
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 – JHOWDANGA PT II, ensure your bank's portal accepts IFSC UCBA0002639 while registering the beneficiary. RTGS is also available 24x7.
IMPS to UCO Bank JHOWDANGA PT II (IFSC UCBA0002639)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0002639 in your mobile or internet banking app, and the money is credited to the JHOWDANGA PT II branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0002639 for UCO Bank – JHOWDANGA PT II, 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 – UCBA0002639 | Yes – UCBA0002639 | Yes – UCBA0002639 |
For most retail customers crediting the Jhowdanga Pt Ii 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 UCBA0002639
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 – JHOWDANGA PT II is still mapped to IFSC UCBA0002639. 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 UCBA0002639 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Jhowdanga Pt Ii branch is mapped to IFSC UCBA0002639 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 UCBA0002639.
Products and services
Customers walking into the Jhowdanga Pt Ii 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 UCBA0002639
Online banking and IFSC UCBA0002639
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the JHOWDANGA PT II 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 UCBA0002639 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.
How to reach the Jhowdanga Pt Ii branch
The branch is located at VILL. BAGHARCHAR P.O. JHOWDANGA P.S. MANKACHAR PIN 783131 DIST DHUBRI ASSAM DIST. DHUBRI ,SOUTH SALMARA MANKACHAR ,ASSAM PIN 783131, which puts it inside Mankachar, the broader Dhubri district, and the state of Assam. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Jhowdanga Pt Ii branch” — the verified location pin for IFSC UCBA0002639 should appear at the top of the results.
- Confirm the branch is open by calling 91-9864188250 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 UCBA0002639 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 – JHOWDANGA PT II:
- The IFSC is exactly UCBA0002639 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 JHOWDANGA PT II 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.
Working hours
Branch counters at Jhowdanga Pt Ii 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 UCBA0002639 continue to work without interruption.
Verifying IFSC UCBA0002639 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 UCBA0002639 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9864188250.
- Visiting the bank's official branch locator page.
Branch address & contact
UCO BankJhowdanga Pt Ii Branch
VILL. BAGHARCHAR P.O. JHOWDANGA P.S. MANKACHAR PIN 783131 DIST DHUBRI ASSAM DIST. DHUBRI ,SOUTH SALMARA MANKACHAR ,ASSAM PIN 783131
Mankachar, Assam
Phone: 91-9864188250
IFSC: UCBA0002639
Frequently asked questions
Can I use IFSC UCBA0002639 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0002639 to send funds instantly.
How quickly will an NEFT transfer using UCBA0002639 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Jhowdanga Pt Ii reflect within 30 minutes.
How do I add UCO Bank Jhowdanga Pt Ii as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0002639, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UCBA0002639 valid for NEFT and RTGS?
Yes. IFSC UCBA0002639 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC UCBA0002639 the same for all accounts at Jhowdanga Pt Ii branch?
Yes. The IFSC UCBA0002639 is shared by every account held at UCO Bank's Jhowdanga Pt Ii branch. Only the account number changes from customer to customer.
Where is UCO Bank Jhowdanga Pt Ii branch located?
UCO Bank's Jhowdanga Pt Ii branch is located at VILL. BAGHARCHAR P.O. JHOWDANGA P.S. MANKACHAR PIN 783131 DIST DHUBRI ASSAM DIST. DHUBRI ,SOUTH SALMARA MANKACHAR ,ASSAM PIN 783131, Mankachar, Assam.
What is the phone number of UCO Bank Jhowdanga Pt Ii branch?
You can reach the branch at 91-9864188250 during regular banking hours.
Summary
The IFSC code UCBA0002639 belongs to UCO Bank's JHOWDANGA PT II branch, located at VILL. BAGHARCHAR P.O. JHOWDANGA P.S. MANKACHAR PIN 783131 DIST DHUBRI ASSAM… in MANKACHAR, 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.
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