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 Chhapra branch in Saran, Chapra, 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 Saran or anywhere in Bihar can transfer funds instantly by using the correct IFSC Code UBIN0933139. 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, Chhapra, Saran
The table below shows the main details of the IFSC Code UBIN0933139 for the Union Bank Of India branch in Saran, which falls under the Chapra district in Bihar.
| Particulars | Details |
|---|---|
| Bank | Union Bank Of India |
| IFSC Code | UBIN0933139 |
| Branch | Chhapra |
| City | Saran |
| District | Chapra |
| State | Bihar |
| Address | Ramakant Complex Mauna Sandha Road Chhapra Dist Saran |
These details are essential not only for online banking users but also for businesses and individuals who use Union Bank Of India in Saran for day-to-day financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code UBIN0933139 for the Chhapra 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 that is provided by the Reserve Bank of India. A unique IFSC like UBIN0933139 is given to every bank branch, including Union Bank Of India located in Chhapra, Saran, 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 Saran.
- 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 Saran and Chapra.
- 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 Chhapra doesn't end up at another location.
Format of the IFSC Code UBIN0933139
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 Chhapra in Saran.
For example, the IFSC Code UBIN0933139 of Union Bank Of India for the Chhapra branch includes these elements, identifying the bank and the branch location in Saran and Bihar correctly.
How to Find IFSC Code for Union Bank Of India?
If you are trying to find the IFSC Code UBIN0933139 of Union Bank Of India for its Chhapra branch located in Saran, the following methods can help:
Cheque Book
The cheque books that are issued by Union Bank Of India include the IFSC Code which is printed on each cheque and you can easily spot the code on the top section.
Passbook
Most banks, including Union Bank Of India branches in Saran and Chapra, print the IFSC and MICR codes on the first page of the passbook.
Bank Website
Visit the official website of Union Bank Of India and find the branch locator section. Search for Chhapra or Saran to get the exact IFSC Code UBIN0933139.
Mobile Banking App
If you use Union Bank Of India's mobile app, you can easily check your account details to find your branch's IFSC code.
RBI Website
The Reserve Bank of India maintains an updated database of all IFSC codes to help you in searching for Union Bank Of India and Saran that will provide accurate information.
How to Use IFSC Code UBIN0933139 for Online Transfers?
Once you have the IFSC Code UBIN0933139 for the Chhapra branch of Union Bank Of India in Saran, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code UBIN0933139. 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 UBIN0933139.
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 Chhapra in Saran, your payment can get delayed or might not go through at all.
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 Chhapra, 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 Saran manage online transfers as well as cheque clearances with ease.
Frequently Asked Questions (FAQs)
The IFSC Code is UBIN0933139.
Yes, but it can change during merging or restructuring of the bank.
No, MICR is for cheque clearing and IFSC is for online transfers.
You can find it on your chequebook, passbook, the bank's website, the mobile app, or on the RBI portal.
The address of the branch is Ramakant Complex Mauna Sandha Road Chhapra Dist Saran located in Saran, Chapra, Bihar.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.