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

Use this page as a one-stop reference for everything related to Union Bank of India's BANGALORE SARAKKI LAYOUT branch in BANGALORE, KARNATAKA. The branch's IFSC code UBIN0903523 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.

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 – BANGALORE SARAKKI LAYOUT is UBIN0903523. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 903523 map to this branch in BANGALORE, KARNATAKA.

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 Bangalore Sarakki Layout branch — IFSC UBIN0903523 — extends the bank's services to customers in and around Bangalore, Karnataka.

About the Bangalore Sarakki Layout branch

The Bangalore Sarakki Layout branch of Union Bank of India is situated at 540 IV A MAIN ROAD,9TH CROSS, J P NAGAR,SARAKKI LAYOUT,BANGALORE 560078. 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 UBIN0903523 is used.

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 BANGALORE SARAKKI LAYOUT branch came to be assigned the code UBIN0903523.

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 UBIN0903523, money simply cannot be routed to the BANGALORE SARAKKI LAYOUT branch electronically.

How to transfer money using IFSC UBIN0903523

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 UBIN0903523 across all three.

How to use IFSC UBIN0903523 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 SARAKKI 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 UBIN0903523.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as BANGALORE SARAKKI LAYOUT.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UBIN0903523

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 – BANGALORE SARAKKI LAYOUT, ensure your bank's portal accepts IFSC UBIN0903523 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Union Bank of India BANGALORE SARAKKI LAYOUT (IFSC UBIN0903523)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0903523 in your mobile or internet banking app, and the money is credited to the BANGALORE SARAKKI LAYOUT branch account within seconds.

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

All three modes accept the IFSC UBIN0903523 for Union Bank of India – BANGALORE SARAKKI LAYOUT, 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 Bangalore Sarakki Layout 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 UBIN0903523

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 – BANGALORE SARAKKI LAYOUT is still mapped to IFSC UBIN0903523. 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 UBIN0903523 and the beneficiary's account number to complete the transfer.

Account types you can open at the Bangalore Sarakki Layout branch

Once you have an account at Union Bank of India – BANGALORE SARAKKI LAYOUT, the IFSC UBIN0903523 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 Bangalore Sarakki Layout 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 UBIN0903523

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 UBIN0903523 and the account number together uniquely identify the Bangalore Sarakki Layout branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC UBIN0903523

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the BANGALORE SARAKKI LAYOUT 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 UBIN0903523 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 – BANGALORE SARAKKI LAYOUT:

• The IFSC is exactly UBIN0903523 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 SARAKKI 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 Sarakki Layout branch sits at 540 IV A MAIN ROAD,9TH CROSS, J P NAGAR,SARAKKI LAYOUT,BANGALORE 560078. If you are travelling from outside Bangalore, search for the branch on a maps application using the bank name and locality, or call 80-26580323 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 UBIN0903523 and your account number.

Verifying IFSC UBIN0903523 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 UBIN0903523 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 80-26580323.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Bangalore Sarakki 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 UBIN0903523 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0903523 belongs to Union Bank of India's BANGALORE SARAKKI LAYOUT branch, located at 540 IV A MAIN ROAD,9TH CROSS, J P NAGAR,SARAKKI LAYOUT,BANGALORE 560078 in BANGALORE, 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.