Below are the complete branch details for Union Bank of India, BHUJ branch, located in BHUJ, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is UBIN0812641. 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 UBIN0812641 for Union Bank of India – BHUJ — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 BHUJ branch, the IFSC UBIN0812641 breaks down as follows: UBIN identifies the bank, 0 is the reserved character, and 812641 identifies this particular branch.
About Union Bank of India
Union Bank of India operates a wide network of branches across India, including the Bhuj branch in Bhuj. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UBIN0812641.
Branch details at a glance
| Bank Name | Union Bank of India |
|---|---|
| Branch | Bhuj |
| IFSC Code | UBIN0812641 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PLOT NO 948,SHREE PARASNATH CHAMBERSSTATION ROAD,BHUJ |
| City | Bhuj |
| District | Kachchh |
| State | Gujarat |
| Phone | 2832227183 |
About the Bhuj branch
The Bhuj branch of Union Bank of India is situated at PLOT NO 948,SHREE PARASNATH CHAMBERSSTATION ROAD,BHUJ. 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 UBIN0812641 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 BHUJ branch came to be assigned the code UBIN0812641.
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 UBIN0812641, money simply cannot be routed to the BHUJ branch electronically.
Account types you can open at the Bhuj branch
Once you have an account at Union Bank of India – BHUJ, the IFSC UBIN0812641 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 Bhuj 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 UBIN0812641
How to transfer money using IFSC UBIN0812641
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 UBIN0812641 across all three.
How to use IFSC UBIN0812641 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's BHUJ 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC UBIN0812641.
- Confirm the bank name auto-populates as Union Bank of India and the branch as BHUJ.
- 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 BHUJ
If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's BHUJ branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0812641 while initiating the transfer and the credit will appear within minutes.
IMPS to Union Bank of India BHUJ (IFSC UBIN0812641)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0812641 in your mobile or internet banking app, and the money is credited to the BHUJ branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UBIN0812641 for Union Bank of India – BHUJ, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – UBIN0812641 | Yes – UBIN0812641 | Yes – UBIN0812641 |
For most retail customers crediting the Bhuj 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 UBIN0812641
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 – BHUJ is still mapped to IFSC UBIN0812641. 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 UBIN0812641 and the beneficiary's account number to complete the transfer.
Online banking and IFSC UBIN0812641
Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the BHUJ 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 UBIN0812641 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 Bhuj branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0812641 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – BHUJ:
- The IFSC is exactly UBIN0812641 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 BHUJ 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.
How to reach the Bhuj branch
The branch is located at PLOT NO 948,SHREE PARASNATH CHAMBERSSTATION ROAD,BHUJ, which puts it inside Bhuj, the broader Kachchh district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “Union Bank of India Bhuj branch” — the verified location pin for IFSC UBIN0812641 should appear at the top of the results.
- Confirm the branch is open by calling 2832227183 before stepping out, especially around public holidays.
- 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 UBIN0812641 and your account number.
Verifying IFSC UBIN0812641 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 UBIN0812641 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2832227183.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Bhuj 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 UBIN0812641 continue to work without interruption.
Branch address & contact
Union Bank of IndiaBhuj Branch
PLOT NO 948,SHREE PARASNATH CHAMBERSSTATION ROAD,BHUJ
Bhuj, Gujarat
Phone: 2832227183
IFSC: UBIN0812641
Frequently asked questions
Can I use IFSC UBIN0812641 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UBIN0812641 to send funds instantly.
Does Union Bank of India Bhuj branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2832227183 to confirm.
What is the phone number of Union Bank of India Bhuj branch?
You can reach the branch at 2832227183 during regular banking hours.
How do I add Union Bank of India Bhuj as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UBIN0812641, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UBIN0812641 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Union Bank of India – Bhuj reflect within 30 minutes.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Bhuj branch but serve different purposes.
Is IFSC UBIN0812641 valid for NEFT and RTGS?
Yes. IFSC UBIN0812641 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC UBIN0812641 the same for all accounts at Bhuj branch?
Yes. The IFSC UBIN0812641 is shared by every account held at Union Bank of India's Bhuj branch. Only the account number changes from customer to customer.
Summary
The IFSC code UBIN0812641 belongs to Union Bank of India's BHUJ branch, located at PLOT NO 948,SHREE PARASNATH CHAMBERSSTATION ROAD,BHUJ in BHUJ, GUJARAT. 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.
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