IFSC Code of Union Bank of India, Bhubaneshwar Lic Ec Branch, Odisha

If you are searching for the IFSC code of Union Bank of India, BHUBANESHWAR LIC EC branch in BHUBANESWAR, ODISHA, this page has every detail you need. The verified IFSC code for this branch is UBIN0921190. 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 BHUBANESHWAR LIC EC branch, and detailed step-by-step guides for using the IFSC UBIN0921190 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.

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 – BHUBANESHWAR LIC EC is UBIN0921190. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 921190 map to this branch in BHUBANESWAR, ODISHA.

Branch details at a glance

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 Bhubaneshwar Lic Ec branch in Bhubaneswar, Odisha is part of this network and uses the IFSC code UBIN0921190 for all electronic settlement.

Bhubaneshwar Lic Ec branch overview

Located at UNIT 7, OPP RAJ BHAVAN, SURYANAGAR,BHUBANESHWAR 751001, the Bhubaneshwar Lic Ec branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UBIN0921190 is required for all interbank electronic transfers routed through this branch.

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 BHUBANESHWAR LIC EC branch came to be assigned the code UBIN0921190.

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 UBIN0921190, money simply cannot be routed to the BHUBANESHWAR LIC EC branch electronically.

How to transfer money using IFSC UBIN0921190

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 UBIN0921190 across all three.

How to use IFSC UBIN0921190 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's BHUBANESHWAR LIC 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 UBIN0921190.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as BHUBANESHWAR LIC 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 UBIN0921190

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 – BHUBANESHWAR LIC EC, ensure your bank's portal accepts IFSC UBIN0921190 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Union Bank of India BHUBANESHWAR LIC EC (IFSC UBIN0921190)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0921190 in your mobile or internet banking app, and the money is credited to the BHUBANESHWAR LIC EC branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Bhubaneshwar Lic 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 UBIN0921190:

• 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 BHUBANESHWAR LIC EC is still linked to IFSC UBIN0921190.

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 BHUBANESHWAR LIC EC branch, the IFSC UBIN0921190 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.

Products and account variants supported

Every account opened at the Bhubaneshwar Lic Ec branch is mapped to IFSC UBIN0921190 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 UBIN0921190.

Products and services

Customers walking into the Bhubaneshwar Lic 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 UBIN0921190

MICR & cheque-truncation details

Cheques drawn on the Bhubaneshwar Lic Ec branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0921190 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Bhubaneshwar Lic Ec 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 UBIN0921190 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.

Common mistakes to avoid when using IFSC UBIN0921190

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 – BHUBANESHWAR LIC 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: UBIN0921190.
• 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 Bhubaneshwar Lic Ec branch

The branch is located at UNIT 7, OPP RAJ BHAVAN, SURYANAGAR,BHUBANESHWAR 751001, which puts it inside Bhubaneswar, the broader Khurda district, and the state of Odisha. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India Bhubaneshwar Lic Ec branch” — the verified location pin for IFSC UBIN0921190 should appear at the top of the results.
2. Confirm the branch is open by calling 674-2405179 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 UBIN0921190 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0921190 for Union Bank of India – BHUBANESHWAR LIC EC, 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 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 Bhubaneshwar Lic Ec branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0921190, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0921190 belongs to Union Bank of India's BHUBANESHWAR LIC EC branch, located at UNIT 7, OPP RAJ BHAVAN, SURYANAGAR,BHUBANESHWAR 751001 in BHUBANESWAR, ODISHA. 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.