IFSC Code of Union Bank of India, Bangalore Mahalakshmi Layout Branch, Karnataka

If you are searching for the IFSC code of Union Bank of India, BANGALORE MAHALAKSHMI LAYOUT branch in BANGALORE, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is UBIN0904503. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the BANGALORE MAHALAKSHMI LAYOUT branch, and detailed step-by-step guides for using the IFSC UBIN0904503 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 BANGALORE MAHALAKSHMI LAYOUT branch, the IFSC UBIN0904503 breaks down as follows: UBIN identifies the bank, 0 is the reserved character, and 904503 identifies this particular branch.

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 Bangalore Mahalakshmi Layout branch in Bangalore, Karnataka is part of this network and uses the IFSC code UBIN0904503 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at NO.721, 7TH MAIN,MAHALAKSHMI LAYOUT,BANGALORE 560086. It serves the Bangalore 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 UBIN0904503 is used to identify this branch on the RBI payments network.

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 BANGALORE MAHALAKSHMI LAYOUT of Union Bank of India — its own 11-character IFSC. The code UBIN0904503 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 UBIN0904503 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Bangalore Mahalakshmi Layout branch is mapped to IFSC UBIN0904503 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 UBIN0904503.

Banking services available

The Bangalore Mahalakshmi Layout branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 80-23491492.

• 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 UBIN0904503

How to transfer money using IFSC UBIN0904503

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 UBIN0904503 across all three.

How to use IFSC UBIN0904503 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's BANGALORE MAHALAKSHMI LAYOUT branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UBIN0904503.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as BANGALORE MAHALAKSHMI LAYOUT.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to BANGALORE MAHALAKSHMI LAYOUT

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's BANGALORE MAHALAKSHMI LAYOUT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0904503 while initiating the transfer and the credit will appear within minutes.

IMPS to Union Bank of India BANGALORE MAHALAKSHMI LAYOUT (IFSC UBIN0904503)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0904503 in your mobile or internet banking app, and the money is credited to the BANGALORE MAHALAKSHMI LAYOUT branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Bangalore Mahalakshmi Layout

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 UBIN0904503:

• 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 BANGALORE MAHALAKSHMI LAYOUT is still linked to IFSC UBIN0904503.

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 BANGALORE MAHALAKSHMI LAYOUT branch, the IFSC UBIN0904503 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.

Digital banking channels

Most day-to-day work that customers used to do at the Bangalore Mahalakshmi Layout 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 UBIN0904503 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.

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 UBIN0904503 and the account number together uniquely identify the Bangalore Mahalakshmi Layout branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – BANGALORE MAHALAKSHMI LAYOUT:

• The IFSC is exactly UBIN0904503 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 BANGALORE MAHALAKSHMI LAYOUT 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 Bangalore Mahalakshmi Layout branch sits at NO.721, 7TH MAIN,MAHALAKSHMI LAYOUT,BANGALORE 560086. If you are travelling from outside Bangalore, search for the branch on a maps application using the bank name and locality, or call 80-23491492 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 UBIN0904503 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0904503 for Union Bank of India – BANGALORE MAHALAKSHMI LAYOUT, 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 Bangalore Mahalakshmi Layout 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 UBIN0904503 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UBIN0904503 is the IFSC code of Union Bank of India, BANGALORE MAHALAKSHMI LAYOUT branch, in BANGALORE, KARNATAKA. 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.