IFSC Code of Union Bank of India, Adityapur SME Branch, Jharkhand

Below are the complete branch details for Union Bank of India, ADITYAPUR SME branch, located in ADITYAPUR, JHARKHAND. The IFSC assigned by the Reserve Bank of India to this branch is UBIN0930849. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UBIN0930849 for Union Bank of India – ADITYAPUR SME — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, UBIN0930849 is the IFSC of Union Bank of India's ADITYAPUR SME branch. The format is fixed: UBIN = bank code, 0 = reserved, 930849 = branch identifier.

Branch details at a glance

About the bank

Union Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Adityapur SME branch in Adityapur, Jharkhand is part of this network and uses the IFSC code UBIN0930849 for all electronic settlement.

About the Adityapur SME branch

The Adityapur SME branch of Union Bank of India is situated at SINGH COMPLEX ADITYAPUR KENDRA MAIN ROAD NEAR ASHIYANA TRADE CENTRE. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code UBIN0930849 is used.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Union Bank of India's ADITYAPUR SME branch came to be assigned the code UBIN0930849.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC UBIN0930849, money simply cannot be routed to the ADITYAPUR SME branch electronically.

How to transfer money using IFSC UBIN0930849

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC UBIN0930849 across all three.

NEFT to Union Bank of India, ADITYAPUR SME using IFSC UBIN0930849

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC UBIN0930849, and confirm that the system picks up Union Bank of India – ADITYAPUR SME. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UBIN0930849

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Union Bank of India – ADITYAPUR SME, ensure your bank's portal accepts IFSC UBIN0930849 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Union Bank of India ADITYAPUR SME (IFSC UBIN0930849)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0930849 in your mobile or internet banking app, and the money is credited to the ADITYAPUR SME branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Adityapur SME

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC UBIN0930849:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at ADITYAPUR SME is still linked to IFSC UBIN0930849.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC UBIN0930849

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Union Bank of India – ADITYAPUR SME is still mapped to IFSC UBIN0930849. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC UBIN0930849 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Adityapur SME branch is mapped to IFSC UBIN0930849 on the RBI payments network. The branch generally supports the full retail product catalogue of Union Bank of India, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains UBIN0930849.

Products and services

Customers walking into the Adityapur SME branch can access most of Union Bank of India's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC UBIN0930849

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Union Bank of India carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC UBIN0930849 and the account number together uniquely identify the Adityapur SME branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC UBIN0930849

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the ADITYAPUR SME branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC UBIN0930849 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Union Bank of India – ADITYAPUR SME:

• The IFSC is exactly UBIN0930849 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Union Bank of India as the bank name and ADITYAPUR SME as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Adityapur SME branch

The branch is located at SINGH COMPLEX ADITYAPUR KENDRA MAIN ROAD NEAR ASHIYANA TRADE CENTRE, which puts it inside Adityapur, the broader Saraikela Kharsawan district, and the state of Jharkhand. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India Adityapur SME branch” — the verified location pin for IFSC UBIN0930849 should appear at the top of the results.
2. Confirm the branch is open by calling 8544105401 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC UBIN0930849 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0930849 for Union Bank of India – ADITYAPUR SME, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Working hours

Branch counters at Adityapur SME are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to UBIN0930849 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0930849 belongs to Union Bank of India's ADITYAPUR SME branch, located at SINGH COMPLEX ADITYAPUR KENDRA MAIN ROAD NEAR ASHIYANA TRADE CENTRE in ADITYAPUR, JHARKHAND. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.