Below are the complete branch details for UCO Bank, NAUAGARHI branch, located in NOWAGARHI, BIHAR. The IFSC assigned by the Reserve Bank of India to this branch is UCBA0002772. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UCBA0002772 for UCO Bank – NAUAGARHI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – NAUAGARHI is UCBA0002772. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002772 map to this branch in NOWAGARHI, BIHAR.
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Nauagarhi branch in Nowagarhi, Bihar is part of this network and uses the IFSC code UCBA0002772 for all electronic settlement.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Nauagarhi |
| IFSC Code | UCBA0002772 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NARAYAN COMPLEX VILL CHARAUN PO NAWAGARHI DISTT MUNGER ,MUNGER ,BIHAR PIN 811211 |
| City | Nowagarhi |
| District | Munger |
| State | Bihar |
| STD Code | 91 |
| Phone | 9308192604 |
About the Nauagarhi branch
The Nauagarhi branch of UCO Bank is situated at NARAYAN COMPLEX VILL CHARAUN PO NAWAGARHI DISTT MUNGER ,MUNGER ,BIHAR PIN 811211. 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 UCBA0002772 is used.
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 NAUAGARHI branch came to be assigned the code UCBA0002772.
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 UCBA0002772, money simply cannot be routed to the NAUAGARHI branch electronically.
Account types you can open at the Nauagarhi branch
Once you have an account at UCO Bank – NAUAGARHI, the IFSC UCBA0002772 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 Nauagarhi 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 UCBA0002772
How to transfer money using IFSC UCBA0002772
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 UCBA0002772 across all three.
NEFT to UCO Bank, NAUAGARHI using IFSC UCBA0002772
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 UCBA0002772, and confirm that the system picks up UCO Bank – NAUAGARHI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0002772
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 – NAUAGARHI, ensure your bank's portal accepts IFSC UCBA0002772 while registering the beneficiary. RTGS is also available 24x7.
IMPS to UCO Bank NAUAGARHI (IFSC UCBA0002772)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0002772 in your mobile or internet banking app, and the money is credited to the NAUAGARHI branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Nauagarhi
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 UCBA0002772:
- 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 NAUAGARHI is still linked to IFSC UCBA0002772.
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.
UPI payments and IFSC UCBA0002772
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 – NAUAGARHI is still mapped to IFSC UCBA0002772. 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 UCBA0002772 and the beneficiary's account number to complete the transfer.
Online banking and IFSC UCBA0002772
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the NAUAGARHI 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 UCBA0002772 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 Nauagarhi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0002772 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 – NAUAGARHI:
- The IFSC is exactly UCBA0002772 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 NAUAGARHI 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 Nauagarhi branch
The branch is located at NARAYAN COMPLEX VILL CHARAUN PO NAWAGARHI DISTT MUNGER ,MUNGER ,BIHAR PIN 811211, which puts it inside Nowagarhi, the broader Munger district, and the state of Bihar. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Nauagarhi branch” — the verified location pin for IFSC UCBA0002772 should appear at the top of the results.
- Confirm the branch is open by calling 91-9308192604 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 UCBA0002772 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0002772 for UCO Bank – NAUAGARHI, 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.
Working hours
Branch counters at Nauagarhi 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 UCBA0002772 continue to work without interruption.
Branch address & contact
UCO BankNauagarhi Branch
NARAYAN COMPLEX VILL CHARAUN PO NAWAGARHI DISTT MUNGER ,MUNGER ,BIHAR PIN 811211
Nowagarhi, Bihar
Phone: 91-9308192604
IFSC: UCBA0002772
Frequently asked questions
Where is UCO Bank Nauagarhi branch located?
UCO Bank's Nauagarhi branch is located at NARAYAN COMPLEX VILL CHARAUN PO NAWAGARHI DISTT MUNGER ,MUNGER ,BIHAR PIN 811211, Nowagarhi, Bihar.
How do I add UCO Bank Nauagarhi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0002772, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Nauagarhi branch but serve different purposes.
What is the phone number of UCO Bank Nauagarhi branch?
You can reach the branch at 91-9308192604 during regular banking hours.
Is IFSC UCBA0002772 valid for NEFT and RTGS?
Yes. IFSC UCBA0002772 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC UCBA0002772 the same for all accounts at Nauagarhi branch?
Yes. The IFSC UCBA0002772 is shared by every account held at UCO Bank's Nauagarhi branch. Only the account number changes from customer to customer.
Can I use IFSC UCBA0002772 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0002772 to send funds instantly.
Does UCO Bank Nauagarhi branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9308192604 to confirm.
Summary
The IFSC code UCBA0002772 belongs to UCO Bank's NAUAGARHI branch, located at NARAYAN COMPLEX VILL CHARAUN PO NAWAGARHI DISTT MUNGER ,MUNGER ,BIHAR PIN 811211 in NOWAGARHI, 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.
