Use this page as a one-stop reference for everything related to UCO Bank's KHAIRA branch in SHAHKUND, BIHAR. The branch's IFSC code UCBA0002601 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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 – KHAIRA is UCBA0002601. The first four letters UCBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002601 map to this branch in SHAHKUND, BIHAR.
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Khaira branch in Shahkund. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UCBA0002601.
About this branch
The branch is located at VILL PO KHAIRA ANCHAL SAHKUND DISTT. BHAGALPUR ,BHAGALPUR ,BIHAR PIN 812006. It serves the Shahkund region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of UCO Bank. The IFSC UCBA0002601 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Khaira |
| IFSC Code | UCBA0002601 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL PO KHAIRA ANCHAL SAHKUND DISTT. BHAGALPUR ,BHAGALPUR ,BIHAR PIN 812006 |
| City | Shahkund |
| District | Bhagalpur |
| State | Bihar |
| STD Code | 91 |
| Phone | 8877668877 |
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 KHAIRA of UCO Bank — its own 11-character IFSC. The code UCBA0002601 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 UCBA0002601 the same way you would treat your account number — verify it once and save it carefully for future use.
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 UCBA0002601 and the account number together uniquely identify the Khaira branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UCBA0002601
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 UCBA0002601 across all three.
NEFT to UCO Bank, KHAIRA using IFSC UCBA0002601
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 UCBA0002601, and confirm that the system picks up UCO Bank – KHAIRA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0002601
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 – KHAIRA, ensure your bank's portal accepts IFSC UCBA0002601 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – KHAIRA, use IMPS. With IFSC UCBA0002601 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Khaira
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 UCBA0002601:
- 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 KHAIRA is still linked to IFSC UCBA0002601.
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 KHAIRA branch, the IFSC UCBA0002601 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 Khaira branch is mapped to IFSC UCBA0002601 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 UCBA0002601.
Products and services
Customers walking into the Khaira 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 UCBA0002601
Digital banking channels
Most day-to-day work that customers used to do at the Khaira branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC UCBA0002601 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
How to reach the Khaira branch
The branch is located at VILL PO KHAIRA ANCHAL SAHKUND DISTT. BHAGALPUR ,BHAGALPUR ,BIHAR PIN 812006, which puts it inside Shahkund, the broader Bhagalpur district, and the state of Bihar. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Khaira branch” — the verified location pin for IFSC UCBA0002601 should appear at the top of the results.
- Confirm the branch is open by calling 91-8877668877 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 UCBA0002601 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 – KHAIRA:
- The IFSC is exactly UCBA0002601 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 KHAIRA 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.
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 Khaira branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0002601, however, work 24x7.
Verifying IFSC UCBA0002601 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 UCBA0002601 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-8877668877.
- Visiting the bank's official branch locator page.
Branch address & contact
UCO BankKhaira Branch
VILL PO KHAIRA ANCHAL SAHKUND DISTT. BHAGALPUR ,BHAGALPUR ,BIHAR PIN 812006
Shahkund, Bihar
Phone: 91-8877668877
IFSC: UCBA0002601
Frequently asked questions
Where is UCO Bank Khaira branch located?
UCO Bank's Khaira branch is located at VILL PO KHAIRA ANCHAL SAHKUND DISTT. BHAGALPUR ,BHAGALPUR ,BIHAR PIN 812006, Shahkund, Bihar.
Is IFSC UCBA0002601 the same for all accounts at Khaira branch?
Yes. The IFSC UCBA0002601 is shared by every account held at UCO Bank's Khaira branch. Only the account number changes from customer to customer.
Does UCO Bank Khaira branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-8877668877 to confirm.
Is IFSC UCBA0002601 valid for NEFT and RTGS?
Yes. IFSC UCBA0002601 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using UCBA0002601 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Khaira reflect within 30 minutes.
What is the phone number of UCO Bank Khaira branch?
You can reach the branch at 91-8877668877 during regular banking hours.
Can I use IFSC UCBA0002601 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0002601 to send funds instantly.
What is the IFSC code of UCO Bank Khaira branch?
The IFSC code of UCO Bank, Khaira branch is UCBA0002601. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code UCBA0002601 belongs to UCO Bank's KHAIRA branch, located at VILL PO KHAIRA ANCHAL SAHKUND DISTT. BHAGALPUR ,BHAGALPUR ,BIHAR PIN 812006 in SHAHKUND, 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.
