IFSC Code of Union Bank Of India, Phephna, Phephna, Uttar Pradesh — UBIN0537144

There is one important element for digital banking and online financial transactions in India that ensures seamless and accurate fund transfers is the IFSC Code. For sending money through NEFT, RTGS, or IMPS, the bank asks you to enter the correct IFSC Code to make the route of your payment to the right branch. In case you are searching for the IFSC Code of Union Bank Of India for its Phephna branch in Balia, Phephna, Uttar Pradesh, then this comprehensive guide will provide you with detailed information.

The banking system in India has changed over time, and today the customers of Union Bank Of India situated in Balia or anywhere in Uttar Pradesh can easily transfer funds instantly by using the correct IFSC Code UBIN0537144. You should know how the IFSC Code works and how it helps you stay informed and avoid transfer errors.

Details of IFSC Code for Union Bank Of India, Phephna, Balia

Below in the table are the key details related to IFSC Code UBIN0537144 of Union Bank Of India for its branch located in Balia, within the district of Phephna in the state of Uttar Pradesh.

These details are essential not only for online banking users but also for businesses and individuals who use Union Bank Of India in Balia for day-to-day financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code UBIN0537144 for the Phephna branch of Union Bank Of India plays an important role.

What Is IFSC Code and Why Is It Important?

IFSC stands for Indian Financial System Code, which is an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, including Union Bank Of India located in Phephna, Balia, Uttar Pradesh, is provided a unique IFSC like UBIN0537144 so that their online payments reach the right place.

The IFSC Code is important because:

• It uniquely recognizes the Union Bank Of India branch in Balia.
• Helps NEFT, RTGS, and IMPS systems route the transfer securely.
• It avoids any confusions between multiple branches of the same bank across different places like Balia and Phephna.
• It reduces most of the errors in fund transfers and makes sure its accuracy.
• It enables sender banks to validate and confirm branch details before processing payments.

For thousands of branches across Uttar Pradesh and the rest of India, the IFSC Code ensures that transactions meant for Union Bank Of India in Phephna do not get misguided to another person.

Format of the IFSC Code UBIN0537144

This is the format of the IFSC Code for banks, including Union Bank Of India, follows an 11-character structure:

AAAA0CCCCCC

Here's the explanation:

• First 4 characters (AAAA): This is the bank code. For Union Bank Of India, these characters are the bank's short identifier.
• 5th character (0): This stays zero till there is any future use.
• Last 6 characters (CCCCCC): These are specific branch code assigned to branches such as Phephna in Balia.

For example, the IFSC Code UBIN0537144 of Union Bank Of India for the Phephna branch includes these elements, identifying the bank and the branch location in Balia and Uttar Pradesh accurately.

How to Find IFSC Code for Union Bank Of India?

If you are looking for the IFSC Code UBIN0537144 of Union Bank Of India for its Phephna branch located in Balia, the following methods can help:

Cheque Book

The cheque book that is issued by Union Bank Of India includes the IFSC Code printed on each cheque leaf. You can easily spot the code at the top section.

Passbook

Most of the banks, including Union Bank Of India branches in Balia and Phephna, print the IFSC and MICR codes on the first page of the passbook.

Bank Website

You can visit the official website of Union Bank Of India and look for the branch locator section, then search for Phephna or Balia to get the exact IFSC Code UBIN0537144.

Mobile Banking App

If you use Union Bank Of India's mobile app, you can check your account details to easily find your branch's IFSC code.

RBI Website

The Reserve Bank of India has an updated database of all IFSC codes and if you are searching for Union Bank Of India and Balia, then it will provide you proper information.

How to Use IFSC Code UBIN0537144 for Online Transfers?

Once you have the IFSC Code UBIN0537144 for the Phephna branch of Union Bank Of India in Balia, you can initiate your fund transfers using any digital method:

NEFT

Add the beneficiary's name, account number, and IFSC Code UBIN0537144. The transfer is completed in batches instead of instantly. It is useful for both personal and business payments.

RTGS

Used for high-value payments above ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.

IMPS

Instant 24×7 transfers. Requires the recipient's account details and Union Bank Of India IFSC Code UBIN0537144.

No matter which payment method you use, the IFSC Code must be correct. If you enter the wrong IFSC Code for the Union Bank Of India Phephna in Balia, your payment can get delayed or might not go through at all.

Finding the MICR Code

MICR codes are used for check clearances and are not the same as IFSC codes. If you are searching for the MICR code of Union Bank Of India in Phephna, you can find it by any of the following ways:

• Check the bottom of your cheque leaf.
• Go to the first page of your passbook.
• Visit the official Union Bank Of India website.
• Search the RBI portal.

Having both IFSC and MICR codes helps account holders in Balia manage online transfers as well as cheque clearances with ease.