Select Branch for Union Bank Of India in Ludhiana, Punjab

Choose a branch to view IFSC code and details

Branch
Abohar

UBIN0560391

1091, STREET NO 4, CIRCULAR ROAD, ABOHAR, PUNJAB
Branch
Akhara

UBIN0540498

V.P.O. AKHARA TEHSIL. JAGRAON DIST. LUDHIANA PUNJAB PIN 142026.
Branch
Arb Ludhiana

UBIN0579963

KALRAS BUILDING, FIRST FLOOR, B-XV-295/B & B-XV-295/C, NEAR OSWAL STREET, MILLER GANJ, GT ROAD, LUDHIANA 141003
Branch
B R S Nagar Ludhiana

UBIN0569062

S C O 43G,MAIN MARKET,B R S NAGAR,LUDHIANA , PIN-141003
Branch
Basant City Ludhiana

UBIN0577014

PHULLANWALA,VASANT AVENUE,141013
Branch
Bija

UBIN0570923

SAMRALA ROAD TEHSIL KHANNA BIJA PUNJAB PINCODE 141412
Branch
Civil Lines - Ludhiana

UBIN0554421

B-XIX-353/14, DR. HIRA SINGH ROAD,CIVIL LINES, LUDHIANA,PUNJAB - 141 001.
Branch
Currency Chest Ludhiana

UBIN0995100

JALANDHAR BYE PASS CHOWK G T ROAD LUDHIANA PUNJAB STATE
Branch
Dhuri

UBIN0562351

237/14A,RAM GARHIA GURUDWARAROAD, DHURI,DIST SANGRUR
Branch
Doaba Aryan Senior S

UBIN0558460

DOABA ARYAN SENIOR SECONDARY SCHOOL NAWANSHAR ROHAN ROAD NAWANSHAHR
Branch
Doraha

UBIN0567485

KALKATA MARKET RAILWAY BOARD LUDHIANA PUNJABPIN -144211
Branch
Dugri Road

UBIN0550809

UNION BANK OF INDIA, DUGRI ROAD - LUDHIANA, DUGRI ROAD, WALIA COMPLEX,, 41/1, ATAM NAGAR,, LUDHIANA, PUNJAB - 141 003.
Branch
FerozPur Road

UBIN0825824

FEROZPUR RIAD BRANCH,BXX 3369,GURDEV NAGAR,FEROZPUR ROAD,LUDHIANA
Branch
Field Ganj

UBIN0930156

483 378 378 1 OLD JAIL ROAD FIELD GANJ LUDHIANA
Branch
Focal Point Ludhiana

UBIN0560413

SCF 2&3 URBAN ESTATE PHASE II FOCAL POINT
Branch
G T Road - Ludhiana

UBIN0539732

G.T. ROAD, MILLER GANJ, LUDHIANA,DIST. LUDHIANA, PUNJAB,PIN - 141 003.
Branch
Ghawadi

UBIN0540609

NEAR GURUDWARA VPO GHAWADI DIST. LUDHIANA PUNJAB PIN 141206.
Branch
Gill Road - Ludhiana

UBIN0550795

B - XXI, 2475, JANTA NAGAR,GILL ROAD, LUDHIANA,PIN - 141 003, PUNJAB.
Branch
Gtb Sahib Cha.hospital

UBIN0552054

SHASTRI NAGAR , MODEL TOWN , DIST. LUDHIANA , PUNJAB - 141002
Branch
Jagraon

UBIN0551783

SIDHU COMPLEX, TEHSIL ROAD, JAGRAON, DIST. LUDHIANA, PIN - 142 026. PUNJAB.
Branch
JamalaPur

UBIN0824933

SCO 2,SECTOR 32A,URBAN ESTATE,CHANDIGARH ROAD,LUDHIANA,PUNJAB,141010
Branch
Jargari

UBIN0823686

JARGARI,TAHSIL-PAYALLUDHIANA DISTRICT
Branch
Jassowal

UBIN0538973

VILLAGE & P.O. JASSOWAL, (VIA GILL), DIST. LUDHIANA, PUNJAB, PIN - 141 116
Branch
Khanna

UBIN0539015

G.T. ROAD, KHANNA, DIST. KHANNA, PUNJAB, PIN - 141 401.
Branch
Khanna

UBIN0816850

A S SENIOR SECONDARY SCHOOL COMPLEXSAMRALA ROAD,KHANNA,PUNJAB -141401
Branch
Kitchlu Nagar Ludhiana

UBIN0569054

3A,RISHI NAGAR, ADJOINING KITCHLU NAGR LUDHIANA PUNJAB PINCODE:141003
Branch
Kot Gangurai

UBIN0827801

VILLAGE POST KOT GANGURAI,TEHSIL KUM KALAN,LUDHIANA DIST,141113
Branch
Latala

UBIN0540587

AT POST LATALA DIST. LUDHIANA PUNJAB PIN 141205.
Branch
Ludhiana

UBIN0904805

SCO34 FEROZ GANDHI MARKET, PAKHOWAL ROAD, LUDHIANA 141001
Branch
Ludhiana

UBIN0803405

B-XV-295/B& B-XV-295/C,NEAR OSWAL STREETMILLER GANJ,G T ROAD,LUDHIANA-141003
Branch
Ludhiana - Ssi Finance Branch

UBIN0550132

INDUSTRIAL AREA 'A',CHEEMA CHOWK, LUDHIANA,PUNJAB, PIN - 141 003.
Branch
Ludhiana Gill Road

UBIN0930199

B XX11 3268,GILL ROAD LUDHIANA PUNJAB
Branch
Ludhiana Main

UBIN0530905

CINEMA ROAD, KESARGANJ CHOWK,DIST. LUDHIANA, PUNJAB,PIN - 141 008.
Branch
Ludhiana Sector

UBIN0912590

SCO16,SECTOR32A,CHANDIGARH ROAD,LUDHIANA,PUNJAB,PINCODE 141001
Branch
Ludhiana Sunder Nagar

UBIN0930148

2658 1 SUNDER NAGAR LUDHIANA 141007,PUNJAB
Branch
Mid Corporate Ludhiana

UBIN0566896

GRND FLR,41/1 WALIA , COMPLEX,ATAM NAGAR ,LUDHIANA ,PUNJAB ,PINCODE-141003
Branch
Model Town Extn, Ludhiana

UBIN0816680

SCO 28,MODEL TOWN EXTN,BLOCK-ALUDHIANA ( PUNJAB ) PIN CODE 141002
Branch
Phullanwala

UBIN0538566

PHULLANWALA, VASANT AVENUE,P. O. MODEL TOWN, DIST. LUDHIANA, PUNJAB, PIN - 141 013.
Branch
R.a.b Ludhiana

UBIN0556572

S C O NO.-142, FEROZE GANDHI MARKETLUDHIANA
Branch
R.o.ludhiana

UBIN0556068

41/1 WALIA COMPLEX, DUGRI ROAD LUDHIANA PUNJAB PIN-141003
Branch
RamPur

UBIN0818470

VPO-RAMPUR,TEHSIL -PAYAL,LUDHIANA DIST,PUNJAB -141418
Branch
Rasullra

UBIN0823694

RASULLRA POST-KHANNADIST-LUDHIANA
Branch
Sahnewal

UBIN0916307

SHOP NO.16,GRAIN MARKET,SAHNEWAL 141120 PUNJAB
Branch
Samrala

UBIN0566870

NEAR CHOPRA GAS AGENCY CHANDIGARH ROAD, -SAMRALA- PUNJAB PIN-141114
Branch
Sdp Higher Secondary School

UBIN0552062

S.D.P. S/S SCHOOL, HAZURI ROAD, CHAUDI SADAK,BENI RAM GALLI, NEAR SUNEHARI GURUDWARA,DIST.LUDHIANA, PIN - 141 008, PUNJAB
Branch
Service Br. -ludhiana

UBIN0550817

41/1, WALIA COMPLEXDUGRI ROAD
Branch
Shaheed Bhagat Singh Nagar

UBIN0826499

SCF 24 25 26,SHAHEED BHAGAT SINGH NAGAR,PAKHOWAL ROAD,LUDHIANA,PUNJAB 141001
Branch
Shakti Nagar Ludhiana

UBIN0577871

745/4AB SHAKTI NAGAR OPPOSITE GURDEV NAGAR NEAR HERO BAKERY CHOWK PAKHOWAL ROAD LUDHIANA PUNJAB
Branch
Sunam

UBIN0562947

SUNAM BRANCH SUNAM PUNJAB
Branch
Umfb Bahadur Ke Road

UBIN0590444

SCF - 12, MAIN BAHADUR KE ROAD, LUDHIANA - 141008
Branch
ZirakPur

UBIN0563609

ZIRAKPUR, LUDHIANA, PUN

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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