IFSC Code of Union Bank of India, Brajarajnagar Branch, Odisha

Below are the complete branch details for Union Bank of India, BRAJARAJNAGAR branch, located in BRAJARAJNAGAR, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is UBIN0831085. 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 UBIN0831085 for Union Bank of India – BRAJARAJNAGAR — 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 BRAJARAJNAGAR branch, the IFSC UBIN0831085 breaks down as follows: UBIN identifies the bank, 0 is the reserved character, and 831085 identifies this particular branch.

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 Brajarajnagar branch in Brajarajnagar, Odisha is part of this network and uses the IFSC code UBIN0831085 for all electronic settlement.

Brajarajnagar branch overview

Located at 1ST FLOOR MAIN ROAD NEAR GANDHI CHOWKBRAJARAJNAGAR JHARSUGUDA DISTRICT, the Brajarajnagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UBIN0831085 is required for all interbank electronic transfers routed through this branch.

Why every Union Bank of India branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including BRAJARAJNAGAR of Union Bank of India — its own 11-character IFSC. The code UBIN0831085 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC UBIN0831085 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC UBIN0831085

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 UBIN0831085 across all three.

NEFT to Union Bank of India, BRAJARAJNAGAR using IFSC UBIN0831085

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC UBIN0831085, and confirm that the system picks up Union Bank of India – BRAJARAJNAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BRAJARAJNAGAR

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's BRAJARAJNAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0831085 while initiating the transfer and the credit will appear within minutes.

IMPS to Union Bank of India BRAJARAJNAGAR (IFSC UBIN0831085)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0831085 in your mobile or internet banking app, and the money is credited to the BRAJARAJNAGAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Brajarajnagar

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 UBIN0831085:

• 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 BRAJARAJNAGAR is still linked to IFSC UBIN0831085.

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 BRAJARAJNAGAR branch, the IFSC UBIN0831085 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 Brajarajnagar branch is mapped to IFSC UBIN0831085 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 UBIN0831085.

Banking services available

The Brajarajnagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8270889425.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC UBIN0831085

MICR & cheque-truncation details

Cheques drawn on the Brajarajnagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0831085 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC UBIN0831085

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the BRAJARAJNAGAR 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 UBIN0831085 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 – BRAJARAJNAGAR:

• The IFSC is exactly UBIN0831085 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 BRAJARAJNAGAR 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 Brajarajnagar branch sits at 1ST FLOOR MAIN ROAD NEAR GANDHI CHOWKBRAJARAJNAGAR JHARSUGUDA DISTRICT. If you are travelling from outside Brajarajnagar, search for the branch on a maps application using the bank name and locality, or call 8270889425 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 UBIN0831085 and your account number.

Verifying IFSC UBIN0831085 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 UBIN0831085 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8270889425.
• 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 Brajarajnagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0831085, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: UBIN0831085 is the IFSC code of Union Bank of India, BRAJARAJNAGAR branch, in BRAJARAJNAGAR, ODISHA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.