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 Kalpetta branch in Wayanad, Kalpetta, 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 Wayanad or anywhere in Kerala can transfer funds instantly by using the correct IFSC Code UBIN0914266. Knowing how the IFSC Code works will help you stay informed and avoid transfer issues.
Details of IFSC Code for Union Bank Of India, Kalpetta, Wayanad
Here are the key points that are associated with the IFSC Code UBIN0914266 of Union Bank Of India for its branch located in Wayanad, within the district of Kalpetta in the state of Kerala.
| Particulars | Details |
|---|---|
| Bank | Union Bank Of India |
| IFSC Code | UBIN0914266 |
| Branch | Kalpetta |
| City | Wayanad |
| District | Kalpetta |
| State | Kerala |
| Address | Door No 9305 3 , Main Road, Kalpetta N H, Kalpetta673121 |
These details help users in online banking and for businesses and individuals who use Union Bank Of India in Wayanad for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code UBIN0914266 for the Kalpetta 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 provided by the Reserve Bank of India. Every bank branch, along with Union Bank Of India located in Kalpetta, Wayanad, Kerala, are allotted a unique IFSC like UBIN0914266 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Wayanad.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Wayanad and Kalpetta.
- It reduces errors in fund transfers and improves accuracy.
- It helps the sender banks to validate and confirm branch details before processing payments.
It makes sure that money sent to Union Bank Of India in Kalpetta reaches the right place, even though there are thousands of branches in Kerala and across India.
Format of the IFSC Code UBIN0914266
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 Kalpetta in Wayanad.
For example, the IFSC Code UBIN0914266 of Union Bank Of India for the Kalpetta branch includes these elements, identifying the bank and the branch location in Wayanad and Kerala accurately.
How to Find IFSC Code for Union Bank Of India?
If you are trying to find the IFSC Code UBIN0914266 of Union Bank Of India for its Kalpetta branch located in Wayanad, 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 Wayanad and Kalpetta, 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 Kalpetta or Wayanad to get the exact IFSC Code UBIN0914266.
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 Wayanad that will provide accurate information.
How to Use IFSC Code UBIN0914266 for Online Transfers?
Once you have the IFSC Code UBIN0914266 for the Kalpetta branch of Union Bank Of India in Wayanad, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code UBIN0914266. 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 UBIN0914266.
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 Kalpetta in Wayanad, 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 Kalpetta, 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 Wayanad manage online transfers as well as cheque clearances with ease.
Frequently Asked Questions (FAQs)
The IFSC Code is UBIN0914266.
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 Door No 9305 3 , Main Road, Kalpetta N H, Kalpetta673121 located in Wayanad, Kalpetta, Kerala.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.