IFSC Code of Union Bank of India, Apgb Bendapudi Branch, Andhra Pradesh

Below are the complete branch details for Union Bank of India, APGB BENDAPUDI branch, located in BENDAPUDI, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is UBIN0CG7174. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UBIN0CG7174 for Union Bank of India – APGB BENDAPUDI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, UBIN0CG7174 is the IFSC of Union Bank of India's APGB BENDAPUDI branch. The format is fixed: UBIN = bank code, 0 = reserved, CG7174 = 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 Apgb Bendapudi branch in Bendapudi, Andhra Pradesh is part of this network and uses the IFSC code UBIN0CG7174 for all electronic settlement.

Apgb Bendapudi branch overview

Located at FIRST FLOOR,UPSTAIRS NR D.NO.3 87/2,BENDAPUDI,THONDANGI MANDAL, the Apgb Bendapudi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UBIN0CG7174 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 APGB BENDAPUDI branch came to be assigned the code UBIN0CG7174.

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 UBIN0CG7174, money simply cannot be routed to the APGB BENDAPUDI branch electronically.

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 UBIN0CG7174 and the account number together uniquely identify the Apgb Bendapudi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC UBIN0CG7174

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 UBIN0CG7174 across all three.

How to use IFSC UBIN0CG7174 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's APGB BENDAPUDI 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 UBIN0CG7174.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as APGB BENDAPUDI.
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 APGB BENDAPUDI

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's APGB BENDAPUDI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0CG7174 while initiating the transfer and the credit will appear within minutes.

IMPS to Union Bank of India APGB BENDAPUDI (IFSC UBIN0CG7174)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0CG7174 in your mobile or internet banking app, and the money is credited to the APGB BENDAPUDI branch account within seconds.

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

All three modes accept the IFSC UBIN0CG7174 for Union Bank of India – APGB BENDAPUDI, 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 Apgb Bendapudi 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.

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 APGB BENDAPUDI branch, the IFSC UBIN0CG7174 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 Apgb Bendapudi branch

Once you have an account at Union Bank of India – APGB BENDAPUDI, the IFSC UBIN0CG7174 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 Apgb Bendapudi 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 UBIN0CG7174

Online banking and IFSC UBIN0CG7174

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the APGB BENDAPUDI 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 UBIN0CG7174 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.

Reaching the branch

The Apgb Bendapudi branch sits at FIRST FLOOR,UPSTAIRS NR D.NO.3 87/2,BENDAPUDI,THONDANGI MANDAL. If you are travelling from outside Bendapudi, search for the branch on a maps application using the bank name and locality, or call 9100910464 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 UBIN0CG7174 and your account number.

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 – APGB BENDAPUDI:

• The IFSC is exactly UBIN0CG7174 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 APGB BENDAPUDI 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.

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 Apgb Bendapudi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0CG7174, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0CG7174 for Union Bank of India – APGB BENDAPUDI, 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.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0CG7174 belongs to Union Bank of India's APGB BENDAPUDI branch, located at FIRST FLOOR,UPSTAIRS NR D.NO.3 87/2,BENDAPUDI,THONDANGI MANDAL in BENDAPUDI, ANDHRA PRADESH. 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.