IFSC Code of Union Bank of India, Bihiya Branch, Bihar

This page lists the IFSC code, branch address, contact number and fund-transfer information for Union Bank of India, BIHIYA branch in ARRAH. The 11-digit IFSC UBIN0576239 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 BIHIYA 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.

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, UBIN0576239 is the IFSC of Union Bank of India's BIHIYA branch. The format is fixed: UBIN = bank code, 0 = reserved, 576239 = branch identifier.

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 Bihiya branch — IFSC UBIN0576239 — extends the bank's services to customers in and around Arrah, Bihar.

About this branch

The branch is located at SAHABTOLA BIHIYAN ARRAH BIHAR PIN 802301. It serves the Arrah 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 UBIN0576239 is used to identify this branch on the RBI payments network.

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 BIHIYA branch came to be assigned the code UBIN0576239.

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 UBIN0576239, money simply cannot be routed to the BIHIYA branch electronically.

How to transfer money using IFSC UBIN0576239

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 UBIN0576239 across all three.

NEFT to Union Bank of India, BIHIYA using IFSC UBIN0576239

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 UBIN0576239, and confirm that the system picks up Union Bank of India – BIHIYA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UBIN0576239

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 – BIHIYA, ensure your bank's portal accepts IFSC UBIN0576239 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Union Bank of India BIHIYA (IFSC UBIN0576239)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0576239 in your mobile or internet banking app, and the money is credited to the BIHIYA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Bihiya

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 UBIN0576239:

• 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 BIHIYA is still linked to IFSC UBIN0576239.

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 BIHIYA branch, the IFSC UBIN0576239 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.

Account types you can open at the Bihiya branch

Once you have an account at Union Bank of India – BIHIYA, the IFSC UBIN0576239 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Bihiya 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 UBIN0576239

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 UBIN0576239 and the account number together uniquely identify the Bihiya branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Bihiya branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC UBIN0576239 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

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 – BIHIYA:

• The IFSC is exactly UBIN0576239 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 BIHIYA 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 Bihiya branch

The branch is located at SAHABTOLA BIHIYAN ARRAH BIHAR PIN 802301, which puts it inside Arrah, the broader Bhojpur district, and the state of Bihar. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India Bihiya branch” — the verified location pin for IFSC UBIN0576239 should appear at the top of the results.
2. Confirm the branch is open by calling 542-9102404163 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 UBIN0576239 and your account number.

Verifying IFSC UBIN0576239 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 UBIN0576239 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 542-9102404163.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Bihiya 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 UBIN0576239 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UBIN0576239 is the IFSC code of Union Bank of India, BIHIYA branch, in ARRAH, BIHAR. 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.