IFSC Code of Union Bank Of India, New Shimla, Shimla, Himachal Pradesh — UBIN0820598

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 New Shimla branch in Simla, Shimla, Himachal Pradesh, 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 Simla or anywhere in Himachal Pradesh can transfer funds instantly by using the correct IFSC Code UBIN0820598. Knowing how the IFSC Code works will help you stay informed and avoid transfer issues.

Details of IFSC Code for Union Bank Of India, New Shimla, Simla

The table below shows the main details of the IFSC Code UBIN0820598 for the Union Bank Of India branch in Simla, which falls under the Shimla district in 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 Simla for everyday financial transactions. If you are depositing money, sending payments, or managing any commercial transfers, the IFSC Code UBIN0820598 for the New 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 New Shimla, Simla, Himachal Pradesh, is provided a unique IFSC like UBIN0820598 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 Simla.
• 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 Simla 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 New Shimla do not get misguided to another person.

Format of the IFSC Code UBIN0820598

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 New Shimla in Simla.

For example, the IFSC Code UBIN0820598 of Union Bank Of India for the New Shimla branch includes these elements, identifying the bank and the branch location in Simla and Himachal Pradesh accurately.

How to Find IFSC Code for Union Bank Of India?

If you are trying to find the IFSC Code UBIN0820598 of Union Bank Of India for its New Shimla branch located in Simla, 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

You can easily find the IFSC and MICR codes because most banks, including Union Bank Of India branches in Simla and Shimla, print them 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 New Shimla or Simla to get the exact IFSC Code UBIN0820598.

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 Simla, you'll get the correct details.

How to Use IFSC Code UBIN0820598 for Online Transfers?

Once you have the IFSC Code UBIN0820598 for the New Shimla branch of Union Bank Of India in Simla, you can initiate your fund transfers using any digital method:

NEFT

Add the beneficiary's name, account number, and IFSC Code UBIN0820598. 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 UBIN0820598.

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 New Shimla in Simla, 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 New Shimla, here are some ways to obtain 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.

Having both the IFSC and MICR codes makes it easy for account holders in Simla to handle online money transfers and get their cheques cleared smoothly.