In today’s fast-paced digital era, online banking has become an essential aspect of personal and business finance. One of the key components that makes electronic fund transfers seamless in India is the IFSC code, especially for major banks like Union Bank of India. If you’re looking for comprehensive information about the Union Bank IFSC Code, how to find it, and its importance in financial transactions, you’re in the right place.
This article serves as a complete guide to understanding the Union Bank IFSC code, including how to find it, use it for NEFT/RTGS/IMPS transactions, and common FAQs around it.
Table of Contents
What is an IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code issued by the Reserve Bank of India (RBI) to identify every bank branch uniquely for electronic payment applications such Learn how to find and use Union Bank IFSC Code for NEFT (National Electronic Fund Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service) with our updated 2025 guide.
For example, a typical Union Bank IFSC code looks like this:
UBIN0530786
Where:
The initial four letters, “UBIN,” uniquely identify Union Bank of India as the issuing bank.
The fifth character is always “0” (zero), serving as a reserved placeholder for future use.
The last six characters (530786) identify the specific branch.
About Union Bank of India
Union Bank of India stands as one of the top public sector banks in the country, backed by a large customer base and an extensive network of branches and ATMs nationwide. Founded in 1919 and headquartered in Mumbai, Union Bank has merged with Andhra Bank and Corporation Bank, making it one of the largest public sector banks post-merger.
Key highlights:
Over 9500 domestic branches
Strong digital banking ecosystem
Wide range of retail and corporate banking services
Why is the Union Bank IFSC Code Important?
Understanding and using the correct Union Bank IFSC code is vital for:
- Electronic Fund Transfers – Used for transactions via NEFT, RTGS, and IMPS payment systems.
- Online Bill Payments – Linking accounts to payment platforms like Google Pay, PhonePe, Paytm, etc.
- Government Subsidies and Refunds – Ensures proper routing of funds.
- Online Shopping – Some merchant services require bank details including the IFSC code for refunds.
Using an incorrect IFSC code can lead to delays, transaction failures, or even misdirected funds.
How to Find the Union Bank IFSC Code?
There are several easy ways to locate your Union Bank branch’s IFSC code:
- Union Bank Passbook or Cheque Book
The IFSC code for a specific branch is typically printed at the top of each cheque leaf and passbook.
- Union Bank Official Website
Go to the official Union Bank of India website. Navigate to the “Branch Locator” section, where you can search by branch name, city, or PIN code.
- RBI Official Website
Access the Union Bank of India’s official website for more information. You can access it here.
- Online IFSC Code Finders
There are various trusted portals like ifsc.pro, bankifsccode.com, and policybazaar.com that help you find IFSC codes by entering bank and branch details.
- Mobile Banking App
If you’re a Union Bank mobile banking user, the IFSC code of your linked account is usually displayed under account details.
Structure of Union Bank IFSC Code
Let’s break down a typical Union Bank IFSC Code to understand its components better:
Example: UBIN0564438ú
UBIN – Denotes Union Bank of India
0 – Reserved character
564438 – Identifies the specific branch, in this case, Hyderabad Jubilee Hills branch
Each IFSC code is unique, and no two branches (even of the same bank) can have the same code.
Union Bank IFSC Code for Major Cities
Here is a list of popular Union Bank IFSIFSC.proC codes from major Indian cities:
Please verify the IFSC codes through the official website before initiating large transactions.
Union Bank IFSC Code vs MICR Code
Many people confuse IFSC codes with MICR codes. Here’s how they differ:
You’ll need the Union Bank IFSC code for online payments and the MICR code for cheque-related transactions.
How to Use Union Bank IFSC Code for Fund Transfers
To transfer money using NEFT, RTGS, or IMPS, you must enter the correct IFSC code. Here’s a step-by-step process:
- Login to your online or mobile banking account.
- Select ‘Transfer Funds’ and choose the payment method.
- Add beneficiary by entering:
Beneficiary name
Union Bank account number
Union Bank IFSC Code
- Verify OTP for security.
- Once the beneficiary is approved, initiate the transfer.
Always double-check the IFSC code before proceeding to avoid failed or misdirected transactions.
Common Issues and How to Avoid Them
- Wrong IFSC Code – Always verify from a trusted source.
- Inactive Branch – Post-merger, some branches may become inactive. Use updated information.
- Suspicious Portals – Use only trusted websites or the official Union Bank site to get IFSC details.
- Delayed NEFT Transactions – NEFT may take a few hours depending on the time of initiation and bank cut-off timings.
Union Bank Customer Support
If you’re facing any issues related to the Union Bank IFSC code, account information, or fund transfers, you can contact:
Toll-Free Number: 1800 22 2244 / 1800 208 2244
Email: customer.care@unionbankofindia.bank
Website: https://www.unionbankofindia.co.in
The support team can assist you in finding the correct IFSC code and resolving any issues with transactions.
Final Thoughts
The Union Bank IFSC code is a critical element in India’s banking infrastructure. Whether you’re a business owner processing vendor payments or an individual sending money to family, using the correct IFSC code ensures your funds reach the right destination safely and quickly.
As digital banking continues to expand, understanding tools like the Union Bank IFSC Code empowers you to bank smarter and more securely. Always stay informed, use verified sources, and reach out to Union Bank support when in doubt.
If you’re looking for an easy way to find Union Bank IFSC Codes quickly, consider bookmarking a reliable IFSC code search tool or plugin such as ifsc.pro.
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