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Union Bank of India is one of the oldest banks of independent India and is government owned i.e. it is a public sector bank. Union Bank of India was recently merged with two other public sector banks as of 1st April, 2020 namely, Corporation Bank and Andhra Bank. Union Bank of India provides a huge platform for many products like loans, credit cards, corporate and NRI banking as well as services like wealth management, insurance, mutual funds and digital banking facility.

The digital banking services offered by Union Bank of India consists of mobile banking and internet banking, Digipurse and UPI payments. Transfer of funds is a very crucial part of the digital banking feature of the Bank. Mobile Banking and Internet Banking are the most common platforms for transfer of funds. For such transfer of funds, IFSC code is the most important component without which the funds transfer is not possible.You can find all that you need to know about the IFSC Code of United Bank of India on this page.

Overview of Union Bank of India IFSC Codes

IFSC codes are developed by the Reserve Bank of India (RBI) for the identification and authentication of all the banks that are involved in the transfer of funds electronically. The modes available for the same are NEFT/ RTGS/ IMPS subject to certain nominal charge levied by the bank for such facility.

IFSC Code is 11 digit unique alphanumeric code and the first four characters for any branch of Union bank of India is always ‘UNIB’. United Bank of India has a different IFSC code for all its branches in India. IFSC codes are the unique 11 digit code which has been issued by the Reserve Bank of India (RBI). This 11 digit code is unique to all the banks in India and their branches. It is in the arrangement of alphabets and numerals. The pattern is unique and distinctive for all the IFSC codes for every branch of Union Bank of India.

The IFSC code of Union Bank of India can be described or highlighted as below.

  • The first four characters of the IFSC code of the Union Bank of India are in relation to the bank name. It is always ‘UBIN’.
  • The next character is always ‘zero (0)’.
  • The last six characters of the code are in relation to the specific branch of the Bank.

Uses of Union Bank IFSC Codes

IFSC Code is the primary requirement for transfer of funds through the digital banking portal. The bank needs the customers to provide the correct IFSC code for every transfer. IFSC code can be used to not only transfer funds but also as an identification mode for the participating branches in the course of the funds transfer.

Providing the correct IFSC code ensures that the funds are transferred to the correct and the intended bank account whether it is within the same bank or any other Bank in India.

If the IFSC code is wrongly provided at the time of funds transfer, the funds will be either

  • Returned to the transferor’s bank account after being debited initially, or, 
  • Transferred or credited to the wrong bank account

In the event of wrong credit of funds, the customer will have to first initiate the request return or reverse such erroneous funds transfer. After receiving the request, the receiving bank will be intimated about the same and after due verification, the funds will be credited back to the transferor’s bank account

What is the difference between IFSC, MICR and SWIFT Codes?

MICR code and SWIFT code are other two common terms used in the course of funds transfer. While MICR code is used in the case of cheque payments, SWIFT code is used in case of international transfers.

Given below are the details of all the three transfer codes relevant in the course of funds transfer whether online or otherwise.


  • IFSC Code stands for Indian Financial System Code
  • It is a 11 digit alphanumeric code specific to each branch of every bank in India
  • It is used while transfer of funds electronically from one branch in India to another


  • MICR Code stands for Magnetic Ink Character Recognition Technology
  • It is a 9 digit code unique to every bank in India
  • It is used to identify the bank whose cheque has been used to make the payment or funds transfer


  • SWIFT Code stands for Society of Worldwide Interbank Financial Transactions
  • It is the 8 or 11 digit code that is allotted to eligible banks and their branches that have the facility of international funds transfer enabled.
  • It is used in transfer of fund from one bank account in India to another bank account held abroad.

Popular Modes of Online Funds Transfer

Online funds transfer is the biggest boon of online banking faculty. Customers can send funds from one bank account to another within minutes and can do so from anywhere and at any time. The available modes of funds transfer for the same are mentioned below.


It stands for National Electronic Funds Transfer. It is a widely used mode of online transfer of funds from one account to another within India.

Customers can transfer funds at nominal charges ranging from as low as Rs. 3 approximately to Rs. 30 approximately and such facility will now be available 24x7 like IMPS services


It stands for Real Time Gross Settlement. The minimum amount of funds that can be transferred through RTGS is Rs. 2,00,000. The charges for this facility are ranging from Rs. 30 approximately to Rs. 65 approximately depending on the amount to be transferred.


It stands for Immediate Payment Services. The bank charges relatively higher charges for this type of interbank or intra bank funds transfer. The facility of IMPS funds transfer is available 24x7 to all the customers of the Union bank of India

How to find the IFSC code of a specific Union Bank branch on CreditMantri?

As mentioned above, IFSC is a compulsory requirement in the course of funds transfer electronically. For this the customer has to know the correct IFSC code of each of the participating branches of the banks involved in the funds transfer process. Customers can get information about IFSC code of Union Bank of India through CreditMantri website.

The process for the same is explained below.

  • Visit the website of CreditMantri
  • Click on Home >> Resources >> Bank IFSC codes
  • Customers will be taken to a new page
  • Input the required search parameters like 
    • State
    • District
    • Bank name
    • Branch name
  • Customers will get the required information about Union Bank of India IFSC code displayed on their screen.


1. How can a person contact Union Bank of India?

person can contact the bank through its customer care number 1800 22 22 44 / 1800 208 2244. This number is available 24x7 and is toll free throughout the country.

2. What are the charges for RTGS funds transfer?

The charges of RTGS funds transfer through Union Bank of India range from approximately Rs. 30 per transaction to Rs. 65 per transaction approximately. The amount levied will depend on the amount to be transferred as well as the time when such transfer is initiated.

3. Can a person get back the funds wrongly transferred due to incorrect IFSC code?

Yes. Reversal of funds transfer in such cases is possible after intimating the bank about such error. The bank executives will explain the process for the same to the customer. However, the process for the same is very long and exhausting. Hence, it is highly recommended to thoroughly check and verify the IFSC code while initiating an online funds transfer.

4. Where can a person get information about Union Bank of India IFSC codes?

A person can get this required information through any of the following modes,

  • Cheque book
  • Passbook
  • Bank Statement of the account holder
  • Contacting the Branch
  • Contacting the Customer Care service of Bank of India
  • Mobile banking account
  • Internet banking account
  • Online search
  • CreditMantri

5. Is the IFSC code numerical code?

No IFSC code is a 11 digit unique code in the formation of alphabets and numbers.

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