IFSC Code of Union Bank of India, St Josephs Hgr.Prim.Schoolbelman Ec Branch, Karnataka

Use this page as a one-stop reference for everything related to Union Bank of India's ST JOSEPHS HGR.PRIM.SCHOOLBELMAN EC branch in BELMAN, KARNATAKA. The branch's IFSC code UBIN0920819 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.

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, UBIN0920819 is the IFSC of Union Bank of India's ST JOSEPHS HGR.PRIM.SCHOOLBELMAN EC branch. The format is fixed: UBIN = bank code, 0 = reserved, 920819 = branch identifier.

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 St Josephs Hgr.Prim.Schoolbelman Ec branch in Belman, Karnataka is part of this network and uses the IFSC code UBIN0920819 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at ST.JOSEPHS HIGHER PRIMARY SCHOOL, BELMAN576111. It serves the Belman 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 UBIN0920819 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 ST JOSEPHS HGR.PRIM.SCHOOLBELMAN EC branch came to be assigned the code UBIN0920819.

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 UBIN0920819, money simply cannot be routed to the ST JOSEPHS HGR.PRIM.SCHOOLBELMAN EC branch electronically.

Account types you can open at the St Josephs Hgr.Prim.Schoolbelman Ec branch

Once you have an account at Union Bank of India – ST JOSEPHS HGR.PRIM.SCHOOLBELMAN EC, the IFSC UBIN0920819 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 St Josephs Hgr.Prim.Schoolbelman Ec 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 UBIN0920819

How to transfer money using IFSC UBIN0920819

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 UBIN0920819 across all three.

How to use IFSC UBIN0920819 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's ST JOSEPHS HGR.PRIM.SCHOOLBELMAN EC 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 UBIN0920819.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as ST JOSEPHS HGR.PRIM.SCHOOLBELMAN EC.
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 UBIN0920819

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 – ST JOSEPHS HGR.PRIM.SCHOOLBELMAN EC, ensure your bank's portal accepts IFSC UBIN0920819 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Union Bank of India ST JOSEPHS HGR.PRIM.SCHOOLBELMAN EC (IFSC UBIN0920819)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0920819 in your mobile or internet banking app, and the money is credited to the ST JOSEPHS HGR.PRIM.SCHOOLBELMAN EC branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to St Josephs Hgr.Prim.Schoolbelman Ec

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 UBIN0920819:

• 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 ST JOSEPHS HGR.PRIM.SCHOOLBELMAN EC is still linked to IFSC UBIN0920819.

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.

UPI payments and IFSC UBIN0920819

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 – ST JOSEPHS HGR.PRIM.SCHOOLBELMAN EC is still mapped to IFSC UBIN0920819. 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 UBIN0920819 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UBIN0920819

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the ST JOSEPHS HGR.PRIM.SCHOOLBELMAN EC 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 UBIN0920819 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.

MICR & cheque-truncation details

Cheques drawn on the St Josephs Hgr.Prim.Schoolbelman Ec branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0920819 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC UBIN0920819

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Union Bank of India – ST JOSEPHS HGR.PRIM.SCHOOLBELMAN EC, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: UBIN0920819.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

How to reach the St Josephs Hgr.Prim.Schoolbelman Ec branch

The branch is located at ST.JOSEPHS HIGHER PRIMARY SCHOOL, BELMAN576111, which puts it inside Belman, the broader Udipi district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India St Josephs Hgr.Prim.Schoolbelman Ec branch” — the verified location pin for IFSC UBIN0920819 should appear at the top of the results.
2. Confirm the branch is open by calling 8258-274512 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 UBIN0920819 and your account number.

Verifying IFSC UBIN0920819 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 UBIN0920819 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8258-274512.
• Visiting the bank's official branch locator page.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The St Josephs Hgr.Prim.Schoolbelman Ec branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0920819, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0920819 belongs to Union Bank of India's ST JOSEPHS HGR.PRIM.SCHOOLBELMAN EC branch, located at ST.JOSEPHS HIGHER PRIMARY SCHOOL, BELMAN576111 in BELMAN, 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.