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Verified Branch

Union Bank of India

PHAGWARA Branch, KAPURTHALA

IFSC Code
UBIN0904589
Required for NEFT, RTGS, IMPS money transfers
MICR Code
N/A
Used in magnetic paper cheque clearing

11-Character IFSC Anatomy Breakdown

UBIN Bank Code (1-4)
0 Control Zero (5th)
904589 Branch Code (6-11)

Complete Branch Details

Full Address UJAGER CENTRE,GURU HARGOBIND NAGAR,PHAGWARA 144401
State PUNJAB
District / City PHAGWARA
Centre / Region PHAGWARA
Contact / Helpline +911824269457
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Electronic Transfer Capabilities & Limits

NEFT

Available 24x7

Half-hourly batch clearance

RTGS

Min. ₹2 Lakh

Real-time gross settlement

IMPS

Instant Transfer

Up to ₹5 Lakh limit

UPI / QR

1-Tap VPA

GPay, PhonePe, Paytm

How to Transfer Money to this Branch

  1. Log in to your mobile banking app or Internet Banking portal (SBI, HDFC, ICICI, etc.).
  2. Navigate to Fund Transfer → Add Beneficiary / Payee.
  3. Enter the recipient's Account Number and paste IFSC code UBIN0904589.
  4. Confirm bank name displays as Union Bank of India and branch as PHAGWARA.
  5. Select payment mode (IMPS for instant <₹5L, or RTGS for >₹2L) and authenticate with OTP/MPIN.

Frequently Asked Questions (UBIN0904589)

What is the IFSC code of Union Bank of India PHAGWARA branch? ↓

The verified 11-digit IFSC code is UBIN0904589. This unique alphanumeric code is used for routing electronic fund transfers via NEFT, RTGS, IMPS, and clearing networks across India.

Can I transfer money on Sundays and bank holidays using this IFSC code? ↓

Yes! Under Reserve Bank of India (RBI) directives, NEFT, RTGS, IMPS, and UPI operate 24x7x365, including Sundays, second/fourth Saturdays, and public holidays. Electronic transfers will be processed automatically without branch intervention.

What is the MICR code of Union Bank of India PHAGWARA? ↓

The 9-digit Magnetic Ink Character Recognition (MICR) code is N/A. It is printed on cheque leaves for high-speed automated sorting at RBI clearing houses.

Where is the branch located? ↓

The official branch address is UJAGER CENTRE,GURU HARGOBIND NAGAR,PHAGWARA 144401, located in PHAGWARA district, PUNJAB.

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