IFSC Code of Union Bank of India, Bhartiya Charm Udyog Branch, Uttar Pradesh

Below are the complete branch details for Union Bank of India, BHARTIYA CHARM UDYOG branch, located in AGRA, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is UBIN0558575. 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 UBIN0558575 for Union Bank of India – BHARTIYA CHARM UDYOG — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Union Bank of India's BHARTIYA CHARM UDYOG branch, the IFSC UBIN0558575 breaks down as follows: UBIN identifies the bank, 0 is the reserved character, and 558575 identifies this particular branch.

Branch details at a glance

Bank profile

Union Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Bhartiya Charm Udyog branch — IFSC UBIN0558575 — extends the bank's services to customers in and around Agra, Uttar Pradesh.

Bhartiya Charm Udyog branch overview

Located at 4 WEST GOVIND NAGAR BHARTIYA CHARM UDYOG SANGSAKET COLONY NEW SHAHGANJ AGRA, the Bhartiya Charm Udyog branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UBIN0558575 is required for all interbank electronic transfers routed through this branch.

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 BHARTIYA CHARM UDYOG of Union Bank of India — its own 11-character IFSC. The code UBIN0558575 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 UBIN0558575 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC UBIN0558575

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 UBIN0558575 across all three.

NEFT to Union Bank of India, BHARTIYA CHARM UDYOG using IFSC UBIN0558575

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 UBIN0558575, and confirm that the system picks up Union Bank of India – BHARTIYA CHARM UDYOG. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BHARTIYA CHARM UDYOG

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's BHARTIYA CHARM UDYOG branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0558575 while initiating the transfer and the credit will appear within minutes.

IMPS to Union Bank of India BHARTIYA CHARM UDYOG (IFSC UBIN0558575)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0558575 in your mobile or internet banking app, and the money is credited to the BHARTIYA CHARM UDYOG branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Bhartiya Charm Udyog

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 UBIN0558575:

• 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 BHARTIYA CHARM UDYOG is still linked to IFSC UBIN0558575.

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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Union Bank of India's BHARTIYA CHARM UDYOG branch, the IFSC UBIN0558575 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Products and account variants supported

Every account opened at the Bhartiya Charm Udyog branch is mapped to IFSC UBIN0558575 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 UBIN0558575.

Products and services

Customers walking into the Bhartiya Charm Udyog 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 UBIN0558575

MICR & cheque-truncation details

Cheques drawn on the Bhartiya Charm Udyog branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0558575 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC UBIN0558575

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the BHARTIYA CHARM UDYOG 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 UBIN0558575 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 – BHARTIYA CHARM UDYOG:

• The IFSC is exactly UBIN0558575 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 BHARTIYA CHARM UDYOG 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 Bhartiya Charm Udyog branch

The branch is located at 4 WEST GOVIND NAGAR BHARTIYA CHARM UDYOG SANGSAKET COLONY NEW SHAHGANJ AGRA, which puts it inside Agra, the broader Agra district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India Bhartiya Charm Udyog branch” — the verified location pin for IFSC UBIN0558575 should appear at the top of the results.
2. Confirm the branch is open by calling 5622 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 UBIN0558575 and your account number.

Verifying IFSC UBIN0558575 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 UBIN0558575 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 5622.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Bhartiya Charm Udyog 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 UBIN0558575 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UBIN0558575 is the IFSC code of Union Bank of India, BHARTIYA CHARM UDYOG branch, in AGRA, UTTAR PRADESH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.