If you are searching for the IFSC code of UCO Bank, SHERGHATI branch in SHERGHATI, BIHAR, this page has every detail you need. The verified IFSC code for this branch is UCBA0002955. 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 SHERGHATI branch, and detailed step-by-step guides for using the IFSC UCBA0002955 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, UCBA0002955 is the IFSC of UCO Bank's SHERGHATI branch. The format is fixed: UCBA = bank code, 0 = reserved, 002955 = branch identifier.
About UCO Bank
UCO Bank operates a wide network of branches across India, including the Sherghati branch in Sherghati. 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, UCBA0002955.
About the Sherghati branch
The Sherghati branch of UCO Bank is situated at GOLA BAZAR SHERGHATI DIST GAYA ,GAYA ,BIHAR PIN 824211. 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 UCBA0002955 is used.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Sherghati |
| IFSC Code | UCBA0002955 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GOLA BAZAR SHERGHATI DIST GAYA ,GAYA ,BIHAR PIN 824211 |
| City | Sherghati |
| District | Gaya |
| State | Bihar |
| STD Code | 91 |
| Phone | 9334290996 |
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 SHERGHATI branch came to be assigned the code UCBA0002955.
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 UCBA0002955, money simply cannot be routed to the SHERGHATI branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Sherghati branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UCBA0002955 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 UCBA0002955
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 UCBA0002955 across all three.
NEFT to UCO Bank, SHERGHATI using IFSC UCBA0002955
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 UCBA0002955, and confirm that the system picks up UCO Bank – SHERGHATI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0002955
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 – SHERGHATI, ensure your bank's portal accepts IFSC UCBA0002955 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – SHERGHATI, use IMPS. With IFSC UCBA0002955 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0002955 for UCO Bank – SHERGHATI, 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 – UCBA0002955 | Yes – UCBA0002955 | Yes – UCBA0002955 |
For most retail customers crediting the Sherghati 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 UCBA0002955
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 – SHERGHATI is still mapped to IFSC UCBA0002955. 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 UCBA0002955 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Sherghati branch is mapped to IFSC UCBA0002955 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 UCBA0002955.
Products and services
Customers walking into the Sherghati 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 UCBA0002955
Online banking and IFSC UCBA0002955
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the SHERGHATI 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 UCBA0002955 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 Sherghati branch
The branch is located at GOLA BAZAR SHERGHATI DIST GAYA ,GAYA ,BIHAR PIN 824211, which puts it inside Sherghati, the broader Gaya district, and the state of Bihar. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Sherghati branch” — the verified location pin for IFSC UCBA0002955 should appear at the top of the results.
- Confirm the branch is open by calling 91-9334290996 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 UCBA0002955 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 – SHERGHATI:
- The IFSC is exactly UCBA0002955 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 SHERGHATI 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 Sherghati 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 UCBA0002955 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UCBA0002955 for UCO Bank – SHERGHATI, 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.
Branch address & contact
UCO BankSherghati Branch
GOLA BAZAR SHERGHATI DIST GAYA ,GAYA ,BIHAR PIN 824211
Sherghati, Bihar
Phone: 91-9334290996
IFSC: UCBA0002955
Frequently asked questions
Where is UCO Bank Sherghati branch located?
UCO Bank's Sherghati branch is located at GOLA BAZAR SHERGHATI DIST GAYA ,GAYA ,BIHAR PIN 824211, Sherghati, Bihar.
What is the IFSC code of UCO Bank Sherghati branch?
The IFSC code of UCO Bank, Sherghati branch is UCBA0002955. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Sherghati branch but serve different purposes.
How quickly will an NEFT transfer using UCBA0002955 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Sherghati reflect within 30 minutes.
Can I use IFSC UCBA0002955 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0002955 to send funds instantly.
What is the phone number of UCO Bank Sherghati branch?
You can reach the branch at 91-9334290996 during regular banking hours.
How do I add UCO Bank Sherghati as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0002955, and complete OTP verification. Once activated, you can transfer funds at any time.
Does UCO Bank Sherghati branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9334290996 to confirm.
Summary
The IFSC code UCBA0002955 belongs to UCO Bank's SHERGHATI branch, located at GOLA BAZAR SHERGHATI DIST GAYA ,GAYA ,BIHAR PIN 824211 in SHERGHATI, 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.
