Select Branch for Union Bank Of India in Vishakapatnam, Andhra Pradesh

Choose a branch to view IFSC code and details

Branch
A.u.campus

UBIN0810568

BEHIND DUTT ISLAND,OPP SUBWAY,SIRIPURAMVISAKHAPATNAM,A.P
Branch
AdarshNagar

UBIN0813966

3-349 ADARSHNAGAR OLD DAIRY FARMVISAKHAPATNAM,A.P
Branch
Adda Road - S Rayavaram

UBIN0819166

D.NO.1-124,MAIN RAOD ADDA ROAD BRPEDAGUMMULURU,S RAYAVARAM MDL,VISAKHAPATNAM
Branch
Aganampudi

UBIN0817406

MANGARAJU ARCADE DO NO.8-76/4 MAIN ROADAGANAMPUDI GAJUWAKA MANDAL
Branch
Akkayyapalem

UBIN0801852

PLOT NO.4,MAIN ROAD,AKKAYYAPALEMVISAKHAPATNAM,A.P
Branch
Akkayyapalem

UBIN0557374

49 8 2 1 KVR MANTIONLALITHA NAGAR
Branch
Anakapalli

UBIN0800121

H NO 12-1-55,MAIN ROAD,NEAR TOWN POLICE STNANAKAPALLI,VISAKHAPATNAM DIST
Branch
AnandaPuram

UBIN0807257

MAIN ROAD,ANANDPURAM,BHEEMUNIPATNAM MANDALVISAKHAPATNAM,A.P
Branch
Ananthagiri

UBIN0819859

ITDA GUEST OFFICEBESIDES MRO OFFICE
Branch
Ankupalem

UBIN0821942

DNO6 95,OPP GOVT.HIGH SCHOOL,MAIN ROAD,ANKUPALEM,CHODAVARAM M,VISAKHA DT,AP 531036
Branch
Arilova

UBIN0824526

322 3,SECTOR 2,HINDI COLLEGE,ARILOVI,VISAKHAPATNAM,530040
Branch
Asilmetta Personal

UBIN0813435

D.NO 10-1-27,OPP VEMANA MANDIRAM,ASILMETTAVISAKHAPATNAM,A.P
Branch
AtchutaPuram

UBIN0555134

DOOR NO. 5-45, PUDIMADAKA ROAD,POST ATCHUTAPURAM, DIST. VISAKHAPATNAM,ANDHRA PRADESH - 531 011.
Branch
Au Engineering Coll

UBIN0813338

SANKETIKA VIDYARDHINI BHAVAN,AU ENG.COLLEGEANDHRA UNIVERSITY,VISAKHAPATNAM
Branch
B C Road

UBIN0821209

12 60 SITARAMNAGAR B C ROAD NEW GAJUWAKA VISAKHAPATNAM
Branch
Balayya Sastry Layout

UBIN0821276

4959941BALAJI HILLSBALAYYA SASTRY LAYOUTVISAKHAPATNAM530013
Branch
Bheemunipatnam

UBIN0800694

NEAR BHEEMILI BUS STOP,VISAKHAPATNAM,A.P
Branch
Chinadoddigallu

UBIN0807681

D.NO 1-72,D L PURAM POST,NAKKALAPALLI MANDAVISAKHAPATNAM,A.P
Branch
Chintapalli (gudem)

UBIN0532916

AT & POST CHINTAPALLI (GUDEM),TAL. CHINTAPALLI, DIST. VISAKHAPATNAM,ANDHRA PRADESH, PIN - 531 111.
Branch
Chippada

UBIN0829404

CHIPPADA BRANCH,AT CHITTYNAGAR,CHIPPADA PO,BHEEMUNIPATNAM,ANDHRA PRADESH,531162
Branch
Chodavaram

UBIN0800821

MAIN ROAD,CHODAVARAMVISAKHAPATNAM,A.P
Branch
Daba Gardens, Vizag

UBIN0801097

OPP CHITRALAYA THEATRE,DABA GARDENSVISAKHAPATNAM,A.P
Branch
Desapatrunipalem

UBIN0823503

D NO 3-124 DESAPATRUNIPALEMPARWADA MANDAL PARWADA MANDAL VISAKHAPATNAM
Branch
Dondaparthy

UBIN0816108

43-9-136,TSNTOWER,1STFLOOR,TSNCOLONY,DONDAPARTHY,VISAKHAPATNAM
Branch
Dumbriguda

UBIN0823970

D.NO 15-143,NEAR PANCHAYAT OFFICEDUMBRIGUDA VILLAGE AND MANDAL
Branch
DwarakaNagar

UBIN0801062

47-11-7,RAILWAY STATION ROAD,DWARAKANAGARVISAKHAPATNAM,A.P
Branch
Dwarka Nagar - Visakhapatnam

UBIN0550612

MOHAN MANSION, 1ST FLOOR, D.NO.47-7-30/24TH LANE, DWARKA NAGAR, VISAKHAPATNAM,ANDHRA PRADESH, PIN - 530 016.
Branch
East Point Colony

UBIN0813320

OPP VUDA PARK,EAST POINT COLONYVISAKHAPATNAM,A.P
Branch
Gajuwaka

UBIN0801755

OPP LAKSHMIKANTH THEATRESGAJUWAKA MAIN ROAD,VISAKHAPATNAM
Branch
Gandhi Institute Of Technology & Mangt.

UBIN0553433

GITAM ROAD, RUSHIKONDA, GITAM CAMPUS,TEH. CHINA G. MANDAL, YENDADA,DIST. VISAKHAPATNAM, A.P. PIN-530 045
Branch
Gavarapalem-anakapa

UBIN0801526

GOWRI GRANDHALAYAM,GAVARAPALEM,ANAKPALLI,VISAKHAPATNAM
Branch
Gitam Institute Of Medical Sci

UBIN0576131

D NO 5-168 GITAM INSTITUTE OF MEDICAL SCIENCE AND RESEACH CHINA RUSHIKONDA PIN 530045
Branch
Gopalapatnam

UBIN0552305

DOOR NO.9-333-1, 1ST FLOOR, MAIN ROAD,NEAR SANKARA THEATRE, GOPALAPATNAM,VISAKHAPATNAM-530 027 (A.P.)
Branch
Gopalapatnam Svlns

UBIN0811246

D.NO 14-211/1,BALAJI GARDENS,RRV PURAMGOPALAPATNAM,VISAKHAPATNAM,A.P
Branch
H B Colony

UBIN0821217

DNO 55 2 2 5,H B COLONY ROAD,OLD VENKAJIPALEM,VISAKHAPATNAM 530022
Branch
K G H Branch

UBIN0810304

KING GEORGE HOSPITAL IN GATE,MAHARANIPETAVISAKHAPATNAM,A.P
Branch
Kancharapalem

UBIN0817961

DNO 57-1-11 DURGANAGAR MAIN ROADKANCHARAPALEM VISAKHAPATNAM
Branch
Kommadi

UBIN0819191

D.NO.9-39/1,VAIBHAVNAGAR,KOMMADI ROAD,MADHURAWADA,VISAKHAPATNAM 48
Branch
L B College

UBIN0810738

DR.L.BULLAYYA COLLEGE CAMPUSVISAKHAPATNAM,A.P
Branch
Lawsons Bay Colony

UBIN0568601

DOOR NO4 46 GROUND FLOOR A1 VISHAKAPATNAM ANDHRA PRADESH PINCODE 530017
Branch
LingaPuram

UBIN0823481

OPP MRO OFFICE,H/O.MVS RAMA KRISHNA,LINGAPURAM VILLAGE,KOTAVURATLA MANDAL
Branch
M V P Colony

UBIN0810461

SECTOR10,M V P COLONYVISAKHAPATNAM,A.P
Branch
M.v.p. Colony - Visakhapatnam

UBIN0551759

PLOT NO.241, SECTOR 4, NH-5, ISUKATHATA,MVP COLONY,VISAKHAPATNAM-530 017, ANDHRA PRADESH
Branch
Maddilapalem

UBIN0558711

DR V S KRISHNA COLLEGE MADDILAPALEM 530013
Branch
Madhavadhara

UBIN0817864

SRI YADUVAMSI,DOOR NO-39-27-3/2,NH5NEAR GEOLOGICAL SURVEY OF INDIA,MADHAVADHARA
Branch
Madhuravada

UBIN0812382

CAR SHED JUNCTION,BESIDE MORE SUPER MARKET,MADHURAVADA,VISAKHAPATNAM,A.P
Branch
Maharanipet

UBIN0803511

18-01-26,KGHDOWNMAHARANIPETVISAKHAPATNAM
Branch
MalkaPuram

UBIN0803537

D.NO 61-1-26,OPP HPCL MAIN GATE,MALKAPURAM,VISAKHAPATNAM
Branch
Mangamaripeta

UBIN0547425

AT MANGAMARIPETA, POST CHEPALA UPPADA,BHIMILI MANDAL, DIST. VISAKHAPATNAM,ANDHRA PRADESH, PIN - 531 163.
Branch
Marripalem

UBIN0810495

D.NO 38-40-30,104 AREA,MARRIPALEMVISAKHAPATNAM,A.P
Branch
Mid Corporate Visakhapatnam

UBIN0572756

D NO 10 50 14 3 100FT WALTAIR MAIN RD SIRIPM VISHAKAPATNAM ANDHRA PRADESH PINCODE 530003
Branch
MuraliNagar

UBIN0810746

SUKSHANTI APARTMENTS,MURALI NAGARVISAKHAPATNAM,A.P
Branch
Narsipatnam

UBIN0555142

DOOR NO. 34-125/I, RAMARAO PETA,NARSIPATNAM, DIST. VISAKHAPATNAM,ANDHRA PRADESH, PIN - 531 116.
Branch
Narsipatnam

UBIN0803839

SILERU MAIN ROAD,KRISHNA BAZARNARSIPATNAM,VISAKHAPATNAM
Branch
Nggos Colony

UBIN0830666

D.NO 37-10-123/1,AYYAPPANAGAR,NGGO COLONY,MURALI NAGAR ( EAST
Branch
Paderu

UBIN0532924

DOOR NO. 691, MAIN ROAD, PADERU,DIST. VISAKHAPATNAM, ANDHRA PRADESH,PIN - 531 024.
Branch
Paderu

UBIN0823767

HTHB,R,RHTP,PP,
Branch
Padmanabham

UBIN0804061

PADMANABHAM,REDDYPALLI SOBHEEMUNIPATNAM TALUK,VISAKHAPATNAM
Branch
Payakaraopeta

UBIN0828394

OPP CHITRA MANDIR THEATRE,MAIN ROAD,PAYAKARAOPETA,VISAKHAPATNAM,ANDHRA PRADESH,531126
Branch
Peda Boddepalli

UBIN0819140

PEDA BODDEPALLI BRANCH,DOOR NO 1-250 MAIN RDNARSIPATNAM
Branch
Peda Gantyada

UBIN0567442

DOOR NO 14-36-11/2, KL RAO NAGAR BC RD , VISHAKAPATNAM ANDHRA PRADESH 530026
Branch
Pendurthi, Visakhapatnam

UBIN0814261

UPSTAIRS OF SHANMUKA HOME NEEDS,MAIN ROADPENDURTHI JN,VISAKHAPATNAM,A.P
Branch
PithaPuram Colony

UBIN0802450

9-36-8,MIG-88,OPP MADDILAPALEM BUS DEPOT,PITHAPURAM COLONY,VISAKHAPATNAM
Branch
Port Branch

UBIN0804347

SRAMA SHAKTI BHAVAN,DLB BUILDINGVISAKHAPATNAM,A.P
Branch
Pothina Mallayyapalem

UBIN0828386

PLOT NO 101 AND 102,V ENCLAVE,80 FEET ROAD,PM PALEM,MADHURAWADA,VISAKHAPATNAM,530041
Branch
R K Mission

UBIN0810479

OPP R K BEACH BUS STOP,BEACH ROADVISAKHAPATNAM,A.P
Branch
R.o.visakhapatnam

UBIN0547417

MOHAN MANSION 4TH LANE DWARKANAGAR VISHAKAPATNAM ANDHRA PRADESH PIN-530016
Branch
Rab Vishakhapatnam

UBIN0556645

1ST FLOOR,MOHAN MANSION, 4TH LANE, DWARAKA NAGAR, VISHAKAPTNAM,ANDHRA PRADESH-530016
Branch
Ravikamatam

UBIN0819182

ANDHRA BANK RAVIKAMATAM BRANCHD.NO.1 MAIN ROAD RAVIKAMATAM
Branch
Sabbavaram

UBIN0828378

OPP DURGAMAMBA TEMPLE,CHODAVARAM ROAD,SABBAVARAM,VISAKHAPATNAM,531035
Branch
SagarNagar

UBIN0826375

DDORNO-5-73,MIG-A-73,MAIN RAOD,NEAR ALLURI SITARAMARAJU STATUE,SAGAR NAGAR
Branch
Seethammadhara

UBIN0568597

DOOR NO 55-8-30/1 GAGAN VIHAR,GROUND FLR VISHAKAPATNAM ANDHRA PRADESH PINCODE- 530013
Branch
Seethammadhara

UBIN0805408

ANDHRA BANK BUILDINGS,ADJACENT EENADU,SEETHAMMADHARA,VISAKHAPATNAM
Branch
Service Br. Visakhapatanam

UBIN0553948

SERVICE BRANCH,DNO 12-4-32CHANDUSPLAZA,2ND FLOOR,APSARA RD.
Branch
SheelaNagar

UBIN0815471

OPP LUTHERN CHURCH,SHEELANAGARVISAKHAPATNAM,A.P
Branch
Shivajipalem

UBIN0821951

OPP.SHIVAJI PARK,VISAKHAPATNAM,AP
Branch
Simhachalam

UBIN0805084

YATRA NIVAS,SIMHACHALAM DEVASTANAM,VISAKHAPATNAM,A.P
Branch
Specialized Sme Branch

UBIN0810517

12-41/1,1ST FLOOR,NH-5,PANTULUGARI MEDAVISAKHAPATNAM,A.P
Branch
St Anns School

UBIN0811564

BUTCHIRAJU PALEM,NAD X ROADSVISAKHAPATNAM,A.P
Branch
Steelplant Township

UBIN0809551

SECTOR - 5 UKKUNAGARAMVISAKHAPATNAM,A.P
Branch
SujathaNagar

UBIN0823490

D.NO.13-14/1/3,LAKSHMINARASAYAMMA NAGAR,80 FEET ROAD,SUJATHANAGAR,VISAKHAPATNAM
Branch
Tagarapuvalasa

UBIN0814610

ANDHRA BANK BUILDINGS,BHEEMILI ROAD,TAGARAPUVALSA,VISAKHAPATNAM,A.P
Branch
Tamaram

UBIN0825573

D NO 60 78,MAIN ROAD,TAMARAM,MAKAVARAPALEM MANDAL
Branch
Thummapala

UBIN0538663

16/133, GUNDALA STREET, THUMAPALA,ANAKAPALLI, DIST. VISAKHAPATNAM,ANDHRA PRADESH, PIN - 531 001.
Branch
Upper Sileru Project Site

UBIN0532932

UPPER SILERU PROJECT SITE, G.K.VEEDHI MANDAL, TAL. CHINTAPALLI, DIST. VISAKHAPATNAM, ANDHRA PRADESH, PIN - 531 105.
Branch
V E P Z

UBIN0810665

SHOP NO 8,VSEZ ADMINISTRATIVE BUILDING,DUVVISAKHAPATNAM,A.P
Branch
Vaddadi Madugula

UBIN0817384

OPP GANDHI PARK NEAR BUS STANDVADDADI MADUGULA
Branch
Vinayaka Nagar

UBIN0823619

H.NO.24-66-10(MIG-1-163),VINAYAKANAGARGAJUWAKA
Branch
Visakhapatnam

UBIN0806081

AVN COLLEGE DOWN,MAIN ROAD,TOWN KOTHA ROADVISAKHAPATNAM,A.P
Branch
Visakhapatnam Main

UBIN0532894

DOOR NO.30-15-58, SILVER WILLOW,1ST FLOOR, DABAGARDENS, VISAKHAPATNAM,ANDHRA PRADESH, PIN - 530 020.
Branch
Visakhapatnam - Ssi Finance Branch

UBIN0550914

12-4-32, CHANDU'S PLAZA, 1ST FLOOR,(ONIDA ARCADE), APSARA ROAD, DIST.VISAKHAPATNAM, A. P., PIN - 530 002.
Branch
Visalakshi Nagar

UBIN0815462

BVR COMPLEX,OPP RAMALAYAM,VISALAKSHI NAGARVISAKHAPATNAM,A.P
Branch
Waltair

UBIN0806331

D.NO 4-38,LAWSONBAY COLONY,PEDHA WALTAIRVISAKHAPATNAM
Branch
Woodpeta

UBIN0806315

MADUGULA ROAD,WOODPET,ANAKAPALLI,VISAKHAPATNAM
Branch
Yelamanchali

UBIN0806501

MAIN ROAD,YELAMANCHILI,VISAKHAPATNAM DIST A.P

What are Union Bank Of India IFSC Codes?

The Indian Financial System Code, commonly known as the IFSC code, is an alphanumeric code crucial for the electronic transfer of funds within the Indian banking system. This code helps in identifying specific bank branches, ensuring that electronic transactions like NEFT (National Electronic Funds Transfer), RTGS (Real-Time Gross Settlement), and IMPS (Immediate Payment Service) are conducted smoothly and accurately.

The IFSC code acts as a guide that directs money to the right bank branch, whether it is for a money transfer to a friend, payment of a bill, or business transactions.

How to Read the Structure of the Union Bank Of India IFSC Code

The IFSC code is an 11-character code consisting of three distinct elements:

  • First Four Characters: These letters indicate the name of the bank. For instance, the first four alphabets in the code represent the bank's name.
  • Fifth Character: This is always '0' (zero) and is reserved for potential future use in the system.
  • Last Six Characters: These can be either numeric or alphabetic and identify a specific branch of the bank.

Example: An IFSC code may appear as "BANK0123456." Here, "BANK" denotes the bank, and "0123456" identifies the specific branch. This unique combination ensures that each branch of every bank has a distinct identification number, allowing the precise identification of the account's location.

How to Locate an Union Bank Of India IFSC Code

Locating an IFSC code is relatively straightforward and can be done using any of the following methods:

  • Cheque Book: The cheque leaves issued by your bank carry the IFSC code, usually printed on the upper section of the leaf.
  • Bank Passbook: The IFSC code is typically found on the first page of the bank passbook provided at the time of opening the account.
  • Official Websites of Banks: Most banks provide a search tool on their websites that allows you to find their respective IFSC codes based on branch location or branch name.
  • Online Banking Portals: IFSC codes are provided in most online banking systems, enabling customers to find the code related to their bank branch.
  • Mobile Banking Apps: Many banking apps allow you to view branch details, including IFSC codes.
  • RBI Website: The Reserve Bank of India maintains an official list of all banks and their respective branch IFSC codes on its website.

Importance of IFSC Code in Fund Transfers

The IFSC code plays a significant role in secure and efficient fund transfers in the following ways:

  • NEFT (National Electronic Funds Transfer): The IFSC code ensures that funds are transferred accurately from one account in a bank to another account in a different bank in India.
  • RTGS (Real-Time Gross Settlement): The IFSC code ensures the safety and speed of high-value transactions where money needs to be transferred at once.
  • IMPS (Immediate Payment Service): An instant fund transfer service where the IFSC code directs funds to the correct branch instantly.
  • Error Prevention: Accurate use of the IFSC code minimizes the chances of funds being directed to the wrong account or branch, thereby reducing errors.

Benefits of Using IFSC Code

Here are the main benefits of IFSC codes you must know:

  • Increased Security: Using the correct IFSC code ensures the transaction reaches the correct branch of the bank, minimizing errors or misdirected funds.
  • Faster and More Efficient: IFSC codes streamline the fund transfer process, making it faster than traditional methods.
  • Universal Use: Since the IFSC code system is standardized across all banks in India, it can be used for transfers between any banks.

Procedure to Perform Union Bank Of India Fund Transfer Using IFSC Code

Fund transfer using an IFSC code is a simple yet vital process:

  • Log in Through Online Banking: Use your mobile banking app or Internet banking portal to log in to your bank.
  • Fund Transfer: Select the option for fund transfer, choosing between NEFT, RTGS, or IMPS.
  • Add Recipient Details: Enter the recipient's name, account number, bank name, and the IFSC code of their branch.
  • Validate Details: Verify the entered details to avoid errors. Incorrect bank and IFSC details can lead to the rejection of your fund transfer request.
  • Confirm Transfer: After confirmation, the money will be transferred. Depending on the mode of transfer, the amount may be transferred within a few seconds or minutes.

How to Open a Union Bank Of India Bank Account

Opening a bank account is a simple if you have the necessary documents and meet the eligibility criteria:

Eligibility Criteria

  • Any citizen over 18 years old is eligible to open a bank account.
  • In the case of minors, parents or guardians can open an account on their behalf.
  • Non-residents are also eligible, provided they fulfill certain conditions established by the banks.

Required Documents

  • Proof of Identity: Aadhaar Card, Passport, Voter ID, or any government-issued ID.
  • Proof of Address: Aadhaar Card, Passport, utility bills, or any valid document proving residence.
  • PAN Card: A PAN card is required for tax compliance.
  • Passport Size Photographs: Usually, two to three recent photographs are needed.
  • Form 16: In certain cases where a PAN card is not available, Form 16 may be considered.

Process to Open an Account

  • Visit a Bank: Visit a branch of your chosen bank, or apply online if the bank offers an online application service.
  • Fill Out the Form: Complete the account opening form with your personal information.
  • Submit Documents: Provide documents verifying your identity and address.
  • Initial Deposit: Make an initial deposit if required by the specific type of account.
  • Account Activation: Once your documents are verified, your account will be activated, and you will receive a passbook, checkbook, and debit card.
  • Register for Internet and Mobile Banking: Register for Internet and mobile banking services to facilitate easy transactions.

Loan EMI Calculator: Importance and Types

For anyone taking a loan, an EMI calculator is a vital and useful tool. Based on the loan amount, interest rate, and repayment period, it assists you in calculating the monthly repayment amount. You may better manage your money and make sure the loan doesn't put a burden on your resources by using an EMI calculator. It helps you steer clear of any unpleasant shocks later on by giving you a clear image of your financial commitment.

Loan Calculators

  • Loan Calculator VA: Specifically designed for VA loans, helping veterans calculate their mortgage payments.
  • Loan Calculator Vehicle: Assists in determining monthly payments for vehicle loans.
  • Loan Calculator 30 Year: Calculates monthly payments for a 30-year loan term.
  • Loan Calculator Yearly Payment: Provides an annual breakdown of loan payments.

EMI Calculators

  • EMI Calculator for Home Loan: Helps in calculating the Equated Monthly Installment (EMI) for home loans.
  • EMI Calculator Us: Tailored for users in the US to compute their home loan EMIs.
  • EMI Calculator on Home Loan: Another tool for calculating home loan EMIs, ensuring accurate monthly payment estimates.

Interest Calculators

  • Interest calculator yearly: Calculates the annual interest on loans or investments.

SIP Calculators

  • SIP Calculator India: Designed for Indian investors to calculate returns on Systematic Investment Plans (SIPs).
  • SIP Calculator Return: Estimates the returns on SIP investments.
  • SIP Calculator Mutual Fund: Calculates potential returns from mutual fund SIPs.
  • SIP Calculator Months: Provides monthly breakdowns of SIP investments.
  • SIP Calculator Online: An online tool for calculating SIP returns.
  • SIP Calculator Yearly: Offers yearly projections of SIP returns.

PPF Calculators

  • PPF Calculator India: Calculates returns on Public Provident Fund (PPF) investments in India.
  • PPF Generator: Generates detailed reports on PPF investments.
  • PPF Calculator 15 Years: Estimates returns over a 15-year period.
  • PPF Calculator 30 Years: Projects returns over a 30-year period.

Conclusion

An IFSC code is an essential component of the Indian banking system, ensuring the secure electronic transfer of funds. Whether you're doing a simple NEFT transfer or a high-value RTGS transaction, the IFSC code plays an indispensable role in smooth banking operations. Knowing how to find and use this code is crucial for anyone conducting electronic transactions in India.

Frequently Asked Questions (FAQs)

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify a specific branch of a bank in India. It is required for electronic fund transfers like RTGS and NEFT.

The IFSC code is crucial for ensuring safe and error-free transfers from one bank to another. It helps route transactions through the correct bank branch.

You can find the IFSC code on your cheque book and passbook or on your bank's official website. The Reserve Bank of India also publishes a list of IFSC codes.

Yes, the IFSC code is required to complete electronic fund transfers like NEFT, RTGS, and IMPS. Without the IFSC code, the transfer cannot be completed.

In Internet banking, the IFSC code of the beneficiary's bank and branch ensures safe and accurate transfers.

No, each branch of a bank has a unique IFSC code, making it easier to identify the specific branch for transactions.

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