IFSC Code of Union Bank of India, Agaradahalli Camp Branch, Karnataka

This page lists the IFSC code, branch address, contact number and fund-transfer information for Union Bank of India, AGARADAHALLI CAMP branch in AGARADAHALLI. The 11-digit IFSC UBIN0829820 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Union Bank of India at the AGARADAHALLI CAMP location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Union Bank of India – AGARADAHALLI CAMP is UBIN0829820. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 829820 map to this branch in AGARADAHALLI, KARNATAKA.

Bank profile

Union Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Agaradahalli Camp branch — IFSC UBIN0829820 — extends the bank's services to customers in and around Agaradahalli, Karnataka.

About this branch

The branch is located at CHENNAGIRI,SHIVAMOGGA ROAD,AGARADAHALLI VILLBHADHRAVATHI TALUK,SHIVAMOGGA DIST. It serves the Agaradahalli region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Union Bank of India. The IFSC UBIN0829820 is used to identify this branch on the RBI payments network.

Branch details at a glance

Why every Union Bank of India branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including AGARADAHALLI CAMP of Union Bank of India — its own 11-character IFSC. The code UBIN0829820 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC UBIN0829820 the same way you would treat your account number — verify it once and save it carefully for future use.

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 UBIN0829820 and the account number together uniquely identify the Agaradahalli Camp branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC UBIN0829820

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 UBIN0829820 across all three.

NEFT to Union Bank of India, AGARADAHALLI CAMP using IFSC UBIN0829820

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 UBIN0829820, and confirm that the system picks up Union Bank of India – AGARADAHALLI CAMP. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UBIN0829820

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 – AGARADAHALLI CAMP, ensure your bank's portal accepts IFSC UBIN0829820 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Union Bank of India AGARADAHALLI CAMP (IFSC UBIN0829820)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0829820 in your mobile or internet banking app, and the money is credited to the AGARADAHALLI CAMP branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UBIN0829820 for Union Bank of India – AGARADAHALLI CAMP, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Agaradahalli Camp branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC UBIN0829820

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 – AGARADAHALLI CAMP is still mapped to IFSC UBIN0829820. 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 UBIN0829820 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Agaradahalli Camp branch is mapped to IFSC UBIN0829820 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 UBIN0829820.

Banking services available

The Agaradahalli Camp branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8282247788.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC UBIN0829820

Online banking and IFSC UBIN0829820

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the AGARADAHALLI CAMP 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 UBIN0829820 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.

Reaching the branch

The Agaradahalli Camp branch sits at CHENNAGIRI,SHIVAMOGGA ROAD,AGARADAHALLI VILLBHADHRAVATHI TALUK,SHIVAMOGGA DIST. If you are travelling from outside Agaradahalli, search for the branch on a maps application using the bank name and locality, or call 8282247788 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC UBIN0829820 and your account number.

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 – AGARADAHALLI CAMP:

• The IFSC is exactly UBIN0829820 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 AGARADAHALLI CAMP 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.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Agaradahalli Camp branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0829820, however, work 24x7.

Verifying IFSC UBIN0829820 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm UBIN0829820 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8282247788.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0829820 belongs to Union Bank of India's AGARADAHALLI CAMP branch, located at CHENNAGIRI,SHIVAMOGGA ROAD,AGARADAHALLI VILLBHADHRAVATHI TALUK,SHIVAMOGGA DIST in AGARADAHALLI, KARNATAKA. 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.