UCO Bank Bhowra IFSC Code
UCO Bank
IFSC · Used for NEFT, IMPS & RTGS
MICR · Used for Cheque Clearance
Branch
Bhowra
Address
Uco Bank Bhowra,at Phus Banglow, Jharia Sindri Road P.o.bhaga, Dist. Dhanbad ,dhanbad ,jharkhand Pin 828301
View on Google MapsDistrict
Dhanbad
State
Jharkhand
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Other UCO Bank Branches in Dhanbad
4 nearby branches — click to view IFSC
Dhanbad Main (rathore Mansion Bank More D - 0146)
Rathore Mansion Bank More Dhanbad ,dhanbad ,jharkhand Pin 826001
Jharia (batamore Main Road Jharia Di - 0168)
Ucobank Batamore Main Road Jharia Distt Dhanbad ,dhanbad ,jharkhand Pin 828111
Hirapur Dhanbad (luby Circular Road Hirapur D - 0191)
Hem Tower Luby Circular Road Hirapur Dhanbad ,dhanbad ,jharkhand Pin 826001
Jorapokhar (mohan Bazar - 0293)
Mohan Bazar, P.o. Patherdih, Distt. Dhanbad ,dhanbad ,jharkhand Pin 828119
Frequently Asked Questions
About UCO Bank Bhowra (jharia Sindri Road P O - 0394), Dhanbad
The IFSC code UCBA0000394 (lowercase: ucba0000394) belongs to UCO Bank, specifically the Bhowra (jharia Sindri Road P O - 0394) branch located in Dhanbad, Jharkhand.
The 5th character in the IFSC code UCBA0000394 is a zero (0), not the letter 'O'. The correct format is UCBA0000394 (lowercase: ucba0000394), and not UCBAO000394. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of UCO Bank Bhowra (jharia Sindri Road P O - 0394) in Dhanbad, Jharkhand is UCBA0000394. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
UCO Bank Bhowra (jharia Sindri Road P O - 0394) is located at Uco Bank Bhowra,at Phus Banglow, Jharia Sindri Road P.o.bhaga, Dist. Dhanbad ,dhanbad ,jharkhand Pin 828301, Dhanbad, Jharkhand. You can click the "View on Google Maps" button on this page to get directions.
The MICR (Magnetic Ink Character Recognition) code of UCO Bank Bhowra (jharia Sindri Road P O - 0394) is 826028006. MICR codes are used for cheque processing and are printed at the bottom of cheque leaves in magnetic ink.
Yes. IFSC code UCBA0000394 is valid for all three RBI-regulated transfer modes: NEFT (settled in 30-minute batches, no minimum), RTGS (real-time, minimum ₹2 lakh), and IMPS (instant, up to ₹5 lakh). All modes are available 24×7×365 as per RBI guidelines issued in December 2019.
You can verify IFSC code UCBA0000394 by checking: (1) The top-left corner of any UCO Bank Bhowra (jharia Sindri Road P O - 0394) cheque leaf, (2) The first page of your UCO Bank passbook, (3) Your net banking or mobile banking app under "Branch Details", or (4) The RBI's official IFSC lookup at rbi.org.in.
Understanding IFSC Code: UCBA0000394
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
Swipe to see all
UCBA0000394
What Each Part Means
- Bank Code — UCBA
- The first 4 characters uniquely identify UCO Bank at the national level. Every branch of UCO Bank across all states shares this same prefix. It is assigned by the RBI and never changes.
- Reserved — 0
- The 5th character is always 0 (zero), reserved by the RBI for future use. It acts as a separator between the bank identifier and the branch-specific code and is mandatory in all electronic fund transfer systems.
- Branch Code — 000394
- The final 6 characters 000394 uniquely identify this specific branch within the UCO Bank network. No two branches share the same branch code. Use this code to verify you have the correct branch before initiating any NEFT, RTGS, or IMPS transfer.
| Segment | Chars | Value | Purpose |
|---|---|---|---|
| Bank Code | 1–4 | UCBA | Identifies UCO Bank |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | 000394 | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
Swipe left to view full cheque
UCO Bank
Bhowra (jharia Sindri Road P O - 0394), Dhanbad, Jharkhand
Cheque No.
00000394
A/c No.
Authorised Signatory
IFSC vs MICR — Functional Comparison
Two different codes, two different banking systems
| Feature | IFSC Code | MICR Code |
|---|---|---|
| Full Form | Indian Financial System Code | Magnetic Ink Character Recognition |
| Length & Format | 11 characters — alphanumeric | 9 digits — numeric only |
| This Branch | UCBA0000394 | 826028006 |
| Primary Use | Electronic fund transfers: NEFT, RTGS, IMPS, UPI | Physical cheque clearing at clearing houses |
| Medium | Digital / online — no physical document needed | Printed in magnetic ink on cheque leaf bottom band |
| Processing Speed | Real-time (IMPS/UPI) or 30-min batches (NEFT) | T+1 or T+2 clearing cycle via RBI clearing houses |
| Where to Find It | Cheque leaf (top area), passbook first page, net banking | Bottom band of cheque leaf (the printed magnetic strip) |
| Assigned By | RBI — permanent unless branch is relocated/merged | RBI — encodes city (3) + bank (3) + branch (3) digits |
| Required For | Adding a payee / beneficiary for online transfer | Cheque book issuance and clearing house processing |
Source: Reserve Bank of India (RBI) Payment Systems Guidelines. IFSC mandatory for NEFT/RTGS/IMPS since 2010; MICR used by CTS-2010 standard cheque clearing.