If you are searching for the IFSC code of UCO Bank, SAMASTIPUR branch in SAMASTIPUR, BIHAR, this page has every detail you need. The verified IFSC code for this branch is UCBA0001926. 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 SAMASTIPUR branch, and detailed step-by-step guides for using the IFSC UCBA0001926 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, UCBA0001926 is the IFSC of UCO Bank's SAMASTIPUR branch. The format is fixed: UCBA = bank code, 0 = reserved, 001926 = branch identifier.
Bank profile
UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Samastipur branch — IFSC UCBA0001926 — extends the bank's services to customers in and around Samastipur, Bihar.
Samastipur branch overview
Located at GOLA ROAD PO AND DIST SAMASTIPUR ,SAMASTIPUR ,BIHAR PIN 848101, the Samastipur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0001926 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Samastipur |
| IFSC Code | UCBA0001926 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GOLA ROAD PO AND DIST SAMASTIPUR ,SAMASTIPUR ,BIHAR PIN 848101 |
| City | Samastipur |
| District | Samastipur |
| State | Bihar |
| STD Code | 6274 |
| Phone | 227655 |
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 SAMASTIPUR branch came to be assigned the code UCBA0001926.
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 UCBA0001926, money simply cannot be routed to the SAMASTIPUR branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Samastipur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0001926 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 UCBA0001926
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 UCBA0001926 across all three.
How to use IFSC UCBA0001926 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to UCO Bank's SAMASTIPUR 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 UCBA0001926.
- Confirm the bank name auto-populates as UCO Bank and the branch as SAMASTIPUR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UCBA0001926
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 – SAMASTIPUR, ensure your bank's portal accepts IFSC UCBA0001926 while registering the beneficiary. RTGS is also available 24x7.
IMPS to UCO Bank SAMASTIPUR (IFSC UCBA0001926)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UCBA0001926 in your mobile or internet banking app, and the money is credited to the SAMASTIPUR branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Samastipur
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 UCBA0001926:
- 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 SAMASTIPUR is still linked to IFSC UCBA0001926.
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 SAMASTIPUR branch, the IFSC UCBA0001926 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.
Products and account variants supported
Every account opened at the Samastipur branch is mapped to IFSC UCBA0001926 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 UCBA0001926.
Products and services
Customers walking into the Samastipur 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 UCBA0001926
Online banking and IFSC UCBA0001926
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the SAMASTIPUR 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 UCBA0001926 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.
Reaching the branch
The Samastipur branch sits at GOLA ROAD PO AND DIST SAMASTIPUR ,SAMASTIPUR ,BIHAR PIN 848101. If you are travelling from outside Samastipur, search for the branch on a maps application using the bank name and locality, or call 6274-227655 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 UCBA0001926 and your account number.
Common mistakes to avoid when using IFSC UCBA0001926
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to UCO Bank – SAMASTIPUR, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
UCBA0001926. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
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 Samastipur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0001926, however, work 24x7.
Verifying IFSC UCBA0001926 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 UCBA0001926 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 6274-227655.
- Visiting the bank's official branch locator page.
Branch address & contact
UCO BankSamastipur Branch
GOLA ROAD PO AND DIST SAMASTIPUR ,SAMASTIPUR ,BIHAR PIN 848101
Samastipur, Bihar
Phone: 6274-227655
IFSC: UCBA0001926
Frequently asked questions
Does UCO Bank Samastipur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 6274-227655 to confirm.
Where is UCO Bank Samastipur branch located?
UCO Bank's Samastipur branch is located at GOLA ROAD PO AND DIST SAMASTIPUR ,SAMASTIPUR ,BIHAR PIN 848101, Samastipur, Bihar.
How quickly will an NEFT transfer using UCBA0001926 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Samastipur reflect within 30 minutes.
Is IFSC UCBA0001926 the same for all accounts at Samastipur branch?
Yes. The IFSC UCBA0001926 is shared by every account held at UCO Bank's Samastipur branch. Only the account number changes from customer to customer.
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 Samastipur branch but serve different purposes.
How do I add UCO Bank Samastipur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0001926, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC UCBA0001926 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0001926 to send funds instantly.
Summary
The IFSC code UCBA0001926 belongs to UCO Bank's SAMASTIPUR branch, located at GOLA ROAD PO AND DIST SAMASTIPUR ,SAMASTIPUR ,BIHAR PIN 848101 in SAMASTIPUR, 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.
