If you are searching for the IFSC code of UCO Bank, PURNEA branch in PURNEA, BIHAR, this page has every detail you need. The verified IFSC code for this branch is UCBA0000308. 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 PURNEA branch, and detailed step-by-step guides for using the IFSC UCBA0000308 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.
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 PURNEA branch, the IFSC UCBA0000308 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 000308 identifies this particular branch.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Purnea |
| IFSC Code | UCBA0000308 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NEW MARKET,PURNEA ,PURNIA ,BIHAR PIN 854301 |
| City | Purnea |
| District | Purnea |
| State | Bihar |
| STD Code | 6454 |
| Phone | 242203 |
About the bank
UCO Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Purnea branch in Purnea, Bihar is part of this network and uses the IFSC code UCBA0000308 for all electronic settlement.
About the Purnea branch
The Purnea branch of UCO Bank is situated at NEW MARKET,PURNEA ,PURNIA ,BIHAR PIN 854301. 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 UCBA0000308 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 PURNEA branch came to be assigned the code UCBA0000308.
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 UCBA0000308, money simply cannot be routed to the PURNEA branch electronically.
How to transfer money using IFSC UCBA0000308
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 UCBA0000308 across all three.
NEFT to UCO Bank, PURNEA using IFSC UCBA0000308
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 UCBA0000308, and confirm that the system picks up UCO Bank – PURNEA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0000308
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 – PURNEA, ensure your bank's portal accepts IFSC UCBA0000308 while registering the beneficiary. RTGS is also available 24x7.
IMPS to UCO Bank PURNEA (IFSC UCBA0000308)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0000308 in your mobile or internet banking app, and the money is credited to the PURNEA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0000308 for UCO Bank – PURNEA, 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 – UCBA0000308 | Yes – UCBA0000308 | Yes – UCBA0000308 |
For most retail customers crediting the Purnea 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 UCBA0000308
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 – PURNEA is still mapped to IFSC UCBA0000308. 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 UCBA0000308 and the beneficiary's account number to complete the transfer.
Account types you can open at the Purnea branch
Once you have an account at UCO Bank – PURNEA, the IFSC UCBA0000308 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 Purnea branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 6454-242203.
- 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 UCBA0000308
MICR & cheque-truncation details
Cheques drawn on the Purnea branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0000308 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC UCBA0000308
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the PURNEA 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 UCBA0000308 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.
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 – PURNEA:
- The IFSC is exactly UCBA0000308 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 PURNEA 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.
Reaching the branch
The Purnea branch sits at NEW MARKET,PURNEA ,PURNIA ,BIHAR PIN 854301. If you are travelling from outside Purnea, search for the branch on a maps application using the bank name and locality, or call 6454-242203 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC UCBA0000308 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0000308 for UCO Bank – PURNEA, 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 Purnea 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 UCBA0000308 continue to work without interruption.
Branch address & contact
UCO BankPurnea Branch
NEW MARKET,PURNEA ,PURNIA ,BIHAR PIN 854301
Purnea, Bihar
Phone: 6454-242203
IFSC: UCBA0000308
Frequently asked questions
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 Purnea branch but serve different purposes.
How do I add UCO Bank Purnea as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0000308, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of UCO Bank Purnea branch?
You can reach the branch at 6454-242203 during regular banking hours.
Does UCO Bank Purnea branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 6454-242203 to confirm.
Is IFSC UCBA0000308 the same for all accounts at Purnea branch?
Yes. The IFSC UCBA0000308 is shared by every account held at UCO Bank's Purnea branch. Only the account number changes from customer to customer.
Can I use IFSC UCBA0000308 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0000308 to send funds instantly.
Where is UCO Bank Purnea branch located?
UCO Bank's Purnea branch is located at NEW MARKET,PURNEA ,PURNIA ,BIHAR PIN 854301, Purnea, Bihar.
Summary
The IFSC code UCBA0000308 belongs to UCO Bank's PURNEA branch, located at NEW MARKET,PURNEA ,PURNIA ,BIHAR PIN 854301 in PURNEA, 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.
