IFSC Code of Union Bank Of India, Regional Office Shimla, Shimla, Himachal Pradesh — UBIN0578274

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. No matter, if you are sending money through NEFT, RTGS, or IMPS, the bank requires you to enter the correct IFSC Code so that your payment goes to the right branch. And if you are searching for the IFSC Code of Union Bank Of India for its Regional Office Shimla branch in Shimla, Shimla, Himachal Pradesh, then this guide will give you detailed information.

The banking system has evolved significantly in India, and today the customers of Union Bank Of India located in Shimla or anywhere in Himachal Pradesh can transfer funds instantly by using the correct IFSC Code UBIN0578274. 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, Regional Office Shimla, Shimla

Here are some of the key details that come with the IFSC Code UBIN0578274 of Union Bank Of India for its branch located in Shimla, within the district of Shimla in the state of Himachal Pradesh.

These details are important not only for users using online banking but also for businesses and individuals who use Union Bank Of India in Shimla for everyday financial transactions. If you are depositing money, sending payments, or managing any commercial transfers, the IFSC Code UBIN0578274 for the Regional Office Shimla branch of Union Bank Of India is vital.

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 Regional Office Shimla, Shimla, Himachal Pradesh, is provided a unique IFSC like UBIN0578274 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 Shimla.
• 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 Shimla and Shimla.
• 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 Himachal Pradesh and the rest of India, the IFSC Code ensures that transactions meant for Union Bank Of India in Regional Office Shimla do not get misguided to another person.

Format of the IFSC Code UBIN0578274

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 Regional Office Shimla in Shimla.

For example, the IFSC Code UBIN0578274 of Union Bank Of India for the Regional Office Shimla branch includes these elements, identifying the bank and the branch location in Shimla and Himachal Pradesh accurately.

How to Find IFSC Code for Union Bank Of India?

If you are trying to find the IFSC Code UBIN0578274 of Union Bank Of India for its Regional Office Shimla branch located in Shimla, 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 Shimla and Shimla, 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 Regional Office Shimla or Shimla to get the exact IFSC Code UBIN0578274.

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 Shimla that will provide accurate information.

How to Use IFSC Code UBIN0578274 for Online Transfers?

Once you have the IFSC Code UBIN0578274 for the Regional Office Shimla branch of Union Bank Of India in Shimla, you can initiate your fund transfers using any digital method:

NEFT

Add the beneficiary's name, account number, and IFSC Code UBIN0578274. 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 UBIN0578274.

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 Regional Office Shimla in Shimla, 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 Regional Office Shimla, 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 Shimla manage online transfers as well as cheque clearances with ease.