IFSC Code of Union Bank of India, Alapuzha Alleppy Branch, Kerala

Use this page as a one-stop reference for everything related to Union Bank of India's ALAPUZHA ALLEPPY branch in ALAPUZHA, KERALA. The branch's IFSC code UBIN0810088 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 ALAPUZHA ALLEPPY branch, the IFSC UBIN0810088 breaks down as follows: UBIN identifies the bank, 0 is the reserved character, and 810088 identifies this particular branch.

Branch details at a glance

About Union Bank of India

Union Bank of India operates a wide network of branches across India, including the Alapuzha Alleppy branch in Alapuzha. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UBIN0810088.

About the Alapuzha Alleppy branch

The Alapuzha Alleppy branch of Union Bank of India is situated at CITY CENTER,GENERAL HOSPITAL JUNCTIONALAPPUZHA. 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 UBIN0810088 is used.

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 ALAPUZHA ALLEPPY of Union Bank of India — its own 11-character IFSC. The code UBIN0810088 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 UBIN0810088 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 UBIN0810088

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 UBIN0810088 across all three.

NEFT to Union Bank of India, ALAPUZHA ALLEPPY using IFSC UBIN0810088

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 UBIN0810088, and confirm that the system picks up Union Bank of India – ALAPUZHA ALLEPPY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to ALAPUZHA ALLEPPY

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's ALAPUZHA ALLEPPY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0810088 while initiating the transfer and the credit will appear within minutes.

IMPS to Union Bank of India ALAPUZHA ALLEPPY (IFSC UBIN0810088)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0810088 in your mobile or internet banking app, and the money is credited to the ALAPUZHA ALLEPPY branch account within seconds.

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

All three modes accept the IFSC UBIN0810088 for Union Bank of India – ALAPUZHA ALLEPPY, 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 Alapuzha Alleppy 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 UBIN0810088

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 – ALAPUZHA ALLEPPY is still mapped to IFSC UBIN0810088. 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 UBIN0810088 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Alapuzha Alleppy branch is mapped to IFSC UBIN0810088 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 UBIN0810088.

Banking services available

The Alapuzha Alleppy branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4172239225.

• 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 UBIN0810088

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 UBIN0810088 and the account number together uniquely identify the Alapuzha Alleppy branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC UBIN0810088

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the ALAPUZHA ALLEPPY 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 UBIN0810088 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 – ALAPUZHA ALLEPPY:

• The IFSC is exactly UBIN0810088 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 ALAPUZHA ALLEPPY 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.

Reaching the branch

The Alapuzha Alleppy branch sits at CITY CENTER,GENERAL HOSPITAL JUNCTIONALAPPUZHA. If you are travelling from outside Alapuzha, search for the branch on a maps application using the bank name and locality, or call 4172239225 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 UBIN0810088 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0810088 for Union Bank of India – ALAPUZHA ALLEPPY, 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 Alapuzha Alleppy 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 UBIN0810088 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UBIN0810088 is the IFSC code of Union Bank of India, ALAPUZHA ALLEPPY branch, in ALAPUZHA, KERALA. 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.