IFSC Code of Union Bank of India, Ambattur Msme Branch, Tamil Nadu

Below are the complete branch details for Union Bank of India, AMBATTUR MSME branch, located in CHENNAI, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is UBIN0818305. 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 UBIN0818305 for Union Bank of India – AMBATTUR MSME — 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, UBIN0818305 is the IFSC of Union Bank of India's AMBATTUR MSME branch. The format is fixed: UBIN = bank code, 0 = reserved, 818305 = branch identifier.

Bank profile

Union Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Ambattur Msme branch — IFSC UBIN0818305 — extends the bank's services to customers in and around Chennai, Tamil Nadu.

Branch details at a glance

About this branch

The branch is located at NO10/A,WEST PARK STREET,VENKATAPURAM,AMBATTUR,CHENNAI. It serves the Chennai 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 UBIN0818305 is used to identify this branch on the RBI payments network.

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 AMBATTUR MSME of Union Bank of India — its own 11-character IFSC. The code UBIN0818305 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 UBIN0818305 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Ambattur Msme branch is mapped to IFSC UBIN0818305 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 UBIN0818305.

Products and services

Customers walking into the Ambattur Msme 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 UBIN0818305

How to transfer money using IFSC UBIN0818305

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 UBIN0818305 across all three.

NEFT to Union Bank of India, AMBATTUR MSME using IFSC UBIN0818305

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 UBIN0818305, and confirm that the system picks up Union Bank of India – AMBATTUR MSME. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to AMBATTUR MSME

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's AMBATTUR MSME branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0818305 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Union Bank of India – AMBATTUR MSME, use IMPS. With IFSC UBIN0818305 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC UBIN0818305 for Union Bank of India – AMBATTUR MSME, 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 Ambattur Msme 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 UBIN0818305

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 – AMBATTUR MSME is still mapped to IFSC UBIN0818305. 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 UBIN0818305 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UBIN0818305

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the AMBATTUR MSME 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 UBIN0818305 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 Ambattur Msme branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0818305 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 UBIN0818305

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 – AMBATTUR MSME, 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: UBIN0818305.
• 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 Ambattur Msme branch

The branch is located at NO10/A,WEST PARK STREET,VENKATAPURAM,AMBATTUR,CHENNAI, which puts it inside Chennai, the broader Chennai district, and the state of Tamil Nadu. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India Ambattur Msme branch” — the verified location pin for IFSC UBIN0818305 should appear at the top of the results.
2. Confirm the branch is open by calling 4426571303 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 UBIN0818305 and your account number.

Verifying IFSC UBIN0818305 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 UBIN0818305 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 4426571303.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Ambattur Msme 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 UBIN0818305 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0818305 belongs to Union Bank of India's AMBATTUR MSME branch, located at NO10/A,WEST PARK STREET,VENKATAPURAM,AMBATTUR,CHENNAI in CHENNAI, TAMIL NADU. 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.