UCO Bank Naugachia
Naugachia · Bhagalpur, Bihar
853028999 is the MICR code for the Naugachia branch of UCO Bank, located in Bhagalpur, Bihar. MICR codes are printed on cheque leaves and used by the RBI's Cheque Truncation System (CTS) for cheque clearing. For online transfers, use the IFSC code UCBA0002335.
Bank
UCO Bank
Branch & Address
Naugachia
Nh 31 Near Hotel Satyam Naugachia Ps Naugachia Distt Bhagalpur , Bhagalpur , Bihar PIN 853204
Bhagalpur, Naugachia, Bihar
Contact
+91641222016MICR Code Structure
853
City
028
Bank
999
Branch
City code 853 identifies the RBI clearing centre, bank code 028 identifies UCO Bank, and branch code 999 identifies this specific branch.
Online Payment Methods Supported
Other UCO Bank branches near Bhagalpur
Other banks in Bhagalpur, Bihar
About MICR Codes
What is a MICR code used for?
MICR (Magnetic Ink Character Recognition) codes are printed on cheque leaves using special magnetic ink. They are read by cheque processing machines and used by the RBI's Cheque Truncation System (CTS) to process and clear cheque payments between banks. Each MICR code uniquely identifies a bank branch for cheque clearing purposes.
MICR vs IFSC — when do I use which?
Use MICR when paying by cheque — it's already printed on your cheque leaf and used automatically during clearing. Use IFSC (UCBA0002335) when making online transfers via NEFT, RTGS, IMPS, or UPI — banks ask for IFSC when you add a beneficiary for online payments.
Where is the MICR code on a cheque?
The MICR code is printed at the bottom of every cheque leaf in a distinctive machine-readable font, using magnetic ink. It appears in the centre of the three numbers at the bottom — the cheque number is on the left, the MICR code 853028999 is in the middle, and your account number is on the right.