Digital banking and online financial transactions in India uses one essential element that ensures you have a seamless and accurate fund transfers, it is the IFSC Code. Banks need the correct IFSC Code for NEFT, RTGS, or IMPS transfers to reach the right branch. If you are looking for the IFSC Code of Union Bank Of India for its Govind Mitra Road branch in Patna, Patna, or Bihar, this guide will help you with all the details.
There have been major changes in the banking sector in India and today, the customers of Union Bank Of India located in Patna or anywhere in Bihar can transfer funds instantly by using the correct IFSC Code UBIN0828921. You should definitely 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, Govind Mitra Road, Patna
The table below shows the main details of the IFSC Code UBIN0828921 for the Union Bank Of India branch in Patna, which falls under the Patna district in Bihar.
| Particulars | Details |
|---|---|
| Bank | Union Bank Of India |
| IFSC Code | UBIN0828921 |
| Branch | Govind Mitra Road |
| City | Patna |
| District | Patna |
| State | Bihar |
| Address | U,M,-,B, |
These details help users in online banking and for businesses and individuals who use Union Bank Of India in Patna for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code UBIN0828921 for the Govind Mitra Road branch of Union Bank Of India has a very important role.
What Is IFSC Code and Why Is It Important?
IFSC stands for Indian Financial System Code, an 11-character alphanumeric code that is provided by the Reserve Bank of India. A unique IFSC like UBIN0828921 is given to every bank branch, including Union Bank Of India located in Govind Mitra Road, Patna, Bihar, to make sure that online payments reach the right place.
The IFSC Code is important because:
- It uniquely identifies the Union Bank Of India branch in Patna.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It avoids any kind of confusion between multiple branches of the same bank across different places like Patna and Patna.
- It removes errors in fund transfers and improves accuracy.
- It lets the sender banks validate and confirm branch details before they process the payments.
There are thousands of branches across Bihar and the rest of India, which is why the IFSC Code ensures that transactions meant for Union Bank Of India in Govind Mitra Road doesn't end up at another location.
Format of the IFSC Code UBIN0828921
The format of the IFSC Code for banks, including Union Bank Of India, has 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 Govind Mitra Road in Patna.
For example, the IFSC Code UBIN0828921 of Union Bank Of India for the Govind Mitra Road branch includes these elements, identifying the bank and the branch location in Patna and Bihar correctly.
How to Find IFSC Code for Union Bank Of India?
If you are trying to find the IFSC Code UBIN0828921 of Union Bank Of India for its Govind Mitra Road branch located in Patna, the following methods can help:
Cheque Book
The cheque book issued by Union Bank Of India includes the IFSC Code printed on each cheque leaf which you can easily spot on the top section.
Passbook
Most banks, including Union Bank Of India branches in Patna and Patna, print the IFSC and MICR codes on the first page of your passbook.
Bank Website
Visit the official website of Union Bank Of India and navigate to the branch locator section. Search for Govind Mitra Road or Patna to get the exact IFSC Code UBIN0828921.
Mobile Banking App
If you use Union Bank Of India's mobile app, you can check your account details to find your branch's IFSC code.
RBI Website
The Reserve Bank of India keeps an updated list of all IFSC codes. If you search for Union Bank Of India and Patna, you'll get the correct details.
How to Use IFSC Code UBIN0828921 for Online Transfers?
Once you have the IFSC Code UBIN0828921 for the Govind Mitra Road branch of Union Bank Of India in Patna, you can initiate your fund transfers using any digital method:
NEFT
Add beneficiary details including the name, account number, and IFSC Code UBIN0828921. Transfers are processed in batches. This is 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. Requires the recipient's account details and Union Bank Of India IFSC Code UBIN0828921.
Regardless of the method you choose, the accuracy of the IFSC Code is crucial. Any mistake in entering the IFSC Code for Union Bank Of India Govind Mitra Road in Patna 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 Govind Mitra Road, 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 Patna manage online transfers as well as cheque clearances with ease.
Frequently Asked Questions (FAQs)
The IFSC Code is UBIN0828921.
Yes, but it can change if the bank merges or goes through restructuring.
No. MICR is for cheque clearing; IFSC is for online transfers.
You can find it on cheque books, passbooks, the bank's website, mobile app, or the RBI portal.
The address of the branch is U,M,-,B, located in Patna, Patna, Bihar.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.