IFSC Code of Union Bank Of India, Goraya, Goraya, Punjab — UBIN0912964

The IFSC Code is a very important number used in India for digital banking and online money transfers that ensures seamless and accurate fund transfers. In case you are sending money through NEFT, RTGS, or IMPS, the bank requires you to enter the correct IFSC Code to route your payment to the right branch. If you are searching for the IFSC Code of Union Bank Of India for its Goraya branch in Jalandhar, Goraya, Punjab, this complete guide will provide you with detailed information.

The banking system in India has changed over the years, and today customers of Union Bank Of India located in Jalandhar or anywhere in Punjab can transfer funds instantly by using the correct IFSC Code UBIN0912964. Knowing how the IFSC Code works will help you stay informed and avoid transfer issues.

Details of IFSC Code for Union Bank Of India, Goraya, Jalandhar

The table below shows the main details of the IFSC Code UBIN0912964 for the Union Bank Of India branch in Jalandhar, which falls under the Goraya district in Punjab.

These details are crucial, not just for online banking users but also for businesses and individuals who use Union Bank Of India in Jalandhar for recurring financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code UBIN0912964 for the Goraya branch of Union Bank Of India has an important role.

What Is IFSC Code and Why Is It Important?

IFSC stands for Indian Financial System Code, an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, along with Union Bank Of India located in Goraya, Jalandhar, Punjab, are allotted a unique IFSC like UBIN0912964 to ensure that online payments reach the right destination.

The IFSC Code is important because:

• It clearly tells which bank branch it is in Jalandhar.
• It helps NEFT, RTGS, and IMPS systems route the transfer securely.
• It prevents confusion between different branches of the same bank in places like Jalandhar and Goraya.
• It reduces errors in fund transfers and improves accuracy.
• It helps the sender banks to validate and confirm branch details before processing payments.

It makes sure that money sent to Union Bank Of India in Goraya reaches the right place, even though there are thousands of branches in Punjab and across India.

Format of the IFSC Code UBIN0912964

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

AAAA0CCCCCC

Here's the breakdown:

• First 4 characters (AAAA): These represent the bank code. In Union Bank Of India, they are a short identifier for the bank.
• 5th character (0): This is always zero and is reserved for future use.
• Last 6 characters (CCCCCC): These are what represent the specific branch code which is assigned to branches like Goraya in Jalandhar.

For example, the IFSC Code UBIN0912964 of Union Bank Of India for the Goraya branch has these elements, identifying the bank and the branch location in Jalandhar and Punjab correctly.

How to Find IFSC Code for Union Bank Of India?

If you are looking for the IFSC Code UBIN0912964 of Union Bank Of India for its Goraya branch located in Jalandhar, 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 Jalandhar and Goraya, 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 Goraya or Jalandhar to get the exact IFSC Code UBIN0912964.

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 Jalandhar, then it will provide you proper information.

How to Use IFSC Code UBIN0912964 for Online Transfers?

If you have the IFSC Code UBIN0912964 for the Goraya branch of Union Bank Of India in Jalandhar, you can easily go ahead with fund transfers using any digital method:

NEFT

Add beneficiary details including the name, account number, and IFSC Code UBIN0912964. Transfers are processed in batches. Suitable for 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. Asks for the recipient's account details and Union Bank Of India IFSC Code UBIN0912964.

Whatever method you choose, the accuracy of the IFSC Code is important and needed. In case there is any mistake in entering the IFSC Code for Union Bank Of India Goraya in Jalandhar, it may result in delayed or failed transactions.

Finding the MICR Code

MICR codes are used for cheque clearance and differ from IFSC codes. If you are looking for the MICR code of Union Bank Of India in Goraya, here are some ways that you can get it:

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

If you know both IFSC and MICR codes, then it can help account holders in Jalandhar manage online transfers as well as cheque clearances with ease.