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Union Bank of India is one of the leading banks in India, which was founded in 1950. Since then, the bank has expanded to include the head office, 35 regional offices and 174 branches across India. They are firmly in line with the values of nationalisation and design products that support consumers belonging to any segment of society in their economic enterprise.

Union Bank of India offers Netbanking facility to all its eligible customers. Fund transfers is an integral part of the Netbanking service. India has 3 major fund transfer systems, namely NEFT, IMPS & RTGS. The IFSC Code of the beneficiary bank branch is very important to make sure that the funds are transferred to the right account in the right branch. One can find the IFSC Code of any Union Bank of India Branch on their official website or on the CreditMantri website.

What is an IFSC code and why does it matter?

The IFSC Code, or the Indian Financial System Code, is a 11-digit alpha-numeric code designated to a specific bank branch. This code is important when it comes to online fund transfers. It refers to a particular banking branch that participates in Indias three major payment and settlement systems: NEFT, IMPS & RTGS.

The IFSC code consists of 11 letters, the first four are alphabetical letters representing the bank name, and the branch is represented by the last six characters (normally numeric or occasionally alphabetic). Fifth, 0 (zero) is reserved for future use at the time being. The Bank IFSC Code enables NEFT & RTGS to forward messages to the banks / branches of destination.

The Indian Reserve Bank shall issue the IFSC to all banks and branches. The IFSC is an important factor when transferring money from your bank account to another bank account. You may use NEFT, IMPS or RTGS to transfer your money to another branch. For all three of these systems, the IFSC code of the recipient bank account is used to transfer the money to the correct branch account balance.

The IFSC Code has become more relevant with the introduction of Internet banking into the Indian banking system. In the past, the MICR code was used to identify the relevant banking branch where the balance had to be deposited, recorded on the check or on the transaction. In the modern banking industry, the IFSC code is standard for quick cash transactions, with Internet money transfers gaining prominence.

Here are some other advantages of using IFSC Code for banking: 

  • It helps move funds to the right account in the right branch. The IFSC code is unique to every bank and branch.
  • Allows quicker and easier transfer of money between bank accounts
  • Removes the risk of fraud when using the IFSC Code
  • The IFSC Code enables a direct transfer between the sender and the receiver. When an internet transaction is initiated, notification or e-mail from both parties is received from the banks concerned, whether it is a credit or debit transaction.
  • Makes it easier for banks to verify the settlement process.
  • Promotes paperless cash transactions. You will now benefit from an electronic, paperless bank transfer with the assistance of the IFSC. It seeks to make banking environmentally sustainable. Business transactions, based on IFSC codes, have become simple, easy and paperless.

How to find the IFSC code of Union Bank of India Branches?

It is very easy to locate the IFSC Code of a particular branch of Union Bank of India Branches.

On the Union Bank of India Website

  • Visit the homepage of Union Bank of India
  • On the right hand side of the page you will see the quick access menu. 
  • Point your mouse on the ‘Locate’ option. Then select the option, Branch /ATM Search.
  • Here, you can search for a branch using the state, city or branch name. 
  • Upon clicking on the branch name, it will display all important information regarding the branch, like the address, contact information, IFSC Code, email address, etc.

On your Union Bank of India Cheque Book & Pass Book

The next handy option to find the IFSC Code of your bank branch is on your Cheque Book & Pass Book. Your checkbook and passbook will give you a lot of valuable knowledge about your bank branch. Your branch name, branch address, phone number and IFSC code are some of the things youll find there. They will, though, only have the IFSC code of your bank branch, not the other branches. If you need the IFSC Code for other branches, please follow one of the following methods.

On the official website of RBI

The primary RBI website has a section devoted to the identification of the IFSC Code for all banks. Login to the official website of the RBI. Scroll down to the bottom of the page to find More Links. Choose IFSC / MICR Codes in this list. Here, you can select the name of the bank in the drop-down list and enter the name of your branch to find the IFSC code.

On the Internet

You can quickly search the Internet for the ‘Union Bank of India IFSC Code and there are a dozen websites that will provide you with the information.

How to find the IFSC code of Union Bank of India Branch on CreditMantri?

CreditMantri has a wide variety of information pertaining to banks and their services. It can be considered a one-stop solution for all your banking and financial needs. The CreditMantri platform makes it easy for you to search the IFSC Code of any banking branch in India. Follow these steps to find the following IFSC Codes:

  • Login to the CreditMantri website
  • Tap the Community button in the top menu bar and select Resources.
  • Choose IFSC and MICR Codes Directory from this collection.
  • It lists all banks with their own names and logos. You can pick Union Bank of India from this page.
  • You can also use the search bar at the top to locate your bank easily. In one shot, you can choose the name of the bank, state, district and branch to get the information.
  • It gives you all the relevant details about the bank for your convenience.

What will happen if I enter an incorrect IFSC while transferring money?

The chances of making an error with the IFSC code are less as the page will display the branch details once you enter the IFSC Code, while adding the payee. In spite of that, if you have entered an incorrect IFSC Code, the transfer will match the account number of the recipient and send the money to that account. The chances of a bank having the same account number in two different branches is slim and hence the money will land in the correct account eventually. However, it is imperative that you double check the IFSC Code before initiating the transfer.

Can I transfer money without the IFSC code?

The answer is both yes and no. In order to transfer money via Netbanking, IFSC code is needed. Netbanking allows you to transfer money via NEFT, IMPS & RTGS. However, in recent years, UPI money transfers or e-wallet money transfers have gained popularity. These methods only consider the mobile number linked to yours and the recipient’s bank account, and hence does not require the IFSC for a bank to bank money transfer.


1. What is the difference between IFSC & MICR Code?

Both IFSC and MICR are used for bank financial transactions. However, there is a difference between the usage of these two terms, and many people are also confused about the meaning and importance of these terms. While MICR is used for cheque transactions, IFSC is primarily online fund transfers.

2. Which is safer? IFSC or MICR?

Both of them are safe in their own accord. IFSC is used for online transfers and MICR is used for cheque remittances. Both of them follow high security standards for a safe fund transfer.

3. What is the information required to do a bank to bank money transfer?

In order to transfer money to another bank account, you need the beneficiary account number, account name, account type, and the respective branch IFSC Code.

4. Are IFSC and SWIFT Codes the same?

No, they are different. The key distinction between the two codes is that IFSC is needed when transferring funds within the country and SWIFT code is needed when transferring funds abroad.

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