IFSC Code of Union Bank Of India, Vallikkunnu, Ariyallur, Kerala — UBIN0915041

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 Vallikkunnu branch in Malappuram, Ariyallur, Kerala, 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 Malappuram or anywhere in Kerala can transfer funds instantly by using the correct IFSC Code UBIN0915041. Knowing how the IFSC Code works will help you stay informed and avoid transfer issues.

Details of IFSC Code for Union Bank Of India, Vallikkunnu, Malappuram

Below in the table are the key details related to IFSC Code UBIN0915041 of Union Bank Of India for its branch located in Malappuram, within the district of Ariyallur in the state of Kerala.

These details are essential not only for online banking users but also for businesses and individuals who use Union Bank Of India in Malappuram for day-to-day financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code UBIN0915041 for the Vallikkunnu 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, an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, including Union Bank Of India located in Vallikkunnu, Malappuram, Kerala, is provided with a unique IFSC like UBIN0915041 to ensure that online payments reach the right destination.

The IFSC Code is important because:

• It uniquely identifies the Union Bank Of India branch in Malappuram.
• It helps NEFT, RTGS, and IMPS systems route the transfer securely.
• It avoids any errors or confusions between multiple branches of the same bank across different places like Malappuram and Ariyallur.
• It reduces errors in fund transfers and improves accuracy.
• It allows sender banks to validate and confirm branch details before processing payments.

There are thousands of branches across Kerala and the rest of India and the IFSC Code ensures that transactions meant for Union Bank Of India in Vallikkunnu do not get mixed with another location.

Format of the IFSC Code UBIN0915041

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): Show the bank code. For Union Bank Of India, these letters represent the bank's short name.
• 5th character: Is always zero and is kept for future use.
• Last 6 characters (CCCCCC): Represent the specific branch code assigned to branches such as Vallikkunnu in Malappuram.

For example, the IFSC Code UBIN0915041 of Union Bank Of India for the Vallikkunnu branch includes these elements, identifying the bank and the branch location in Malappuram and Kerala accurately.

How to Find IFSC Code for Union Bank Of India?

If you are looking for the IFSC Code UBIN0915041 of Union Bank Of India for its Vallikkunnu branch located in Malappuram, 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 Malappuram and Ariyallur, 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 Vallikkunnu or Malappuram to get the exact IFSC Code UBIN0915041.

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 Malappuram, then it will provide you proper information.

How to Use IFSC Code UBIN0915041 for Online Transfers?

Once you have the IFSC Code UBIN0915041 for the Vallikkunnu branch of Union Bank Of India in Malappuram, you can initiate your fund transfers using any digital method:

NEFT

Add the beneficiary's name, account number, and IFSC Code UBIN0915041. The transfer is completed in batches. It is useful for both personal and business payments.

RTGS

Used for payments over ₹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 UBIN0915041.

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 Vallikkunnu in Malappuram, 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 Vallikkunnu, 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 Malappuram manage online transfers as well as cheque clearances with ease.