IFSC Code of Union Bank of India, Chikhali Branch, Maharashtra

Below are the complete branch details for Union Bank of India, CHIKHALI branch, located in CHIKHALI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is UBIN0548251. 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 UBIN0548251 for Union Bank of India – CHIKHALI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – CHIKHALI is UBIN0548251. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 548251 map to this branch in CHIKHALI, MAHARASHTRA.

Bank profile

Union Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Chikhali branch — IFSC UBIN0548251 — extends the bank's services to customers in and around Chikhali, Maharashtra.

Branch details at a glance

About this branch

The branch is located at CHIKHALI DEV. CO-OP. SOCIETY BUILDING, JAWALE,KADLAK ROAD, TALUKA - SANGAMNER,CHOKHALI,DIST. AHMEDNAGAR, PIN - 422 605 MAHARASHTRA.. It serves the Chikhali 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 UBIN0548251 is used to identify this branch on the RBI payments network.

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 CHIKHALI branch came to be assigned the code UBIN0548251.

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 UBIN0548251, money simply cannot be routed to the CHIKHALI branch electronically.

Products and account variants supported

Every account opened at the Chikhali branch is mapped to IFSC UBIN0548251 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 UBIN0548251.

Banking services available

The Chikhali branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 260030.

• 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 UBIN0548251

How to transfer money using IFSC UBIN0548251

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 UBIN0548251 across all three.

NEFT to Union Bank of India, CHIKHALI using IFSC UBIN0548251

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 UBIN0548251, and confirm that the system picks up Union Bank of India – CHIKHALI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CHIKHALI

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's CHIKHALI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0548251 while initiating the transfer and the credit will appear within minutes.

IMPS to Union Bank of India CHIKHALI (IFSC UBIN0548251)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0548251 in your mobile or internet banking app, and the money is credited to the CHIKHALI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Chikhali

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 UBIN0548251:

• 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 CHIKHALI is still linked to IFSC UBIN0548251.

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.

UPI payments and IFSC UBIN0548251

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 – CHIKHALI is still mapped to IFSC UBIN0548251. 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 UBIN0548251 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UBIN0548251

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the CHIKHALI 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 UBIN0548251 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 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 UBIN0548251 and the account number together uniquely identify the Chikhali branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – CHIKHALI:

• The IFSC is exactly UBIN0548251 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 CHIKHALI 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 Chikhali branch

The branch is located at CHIKHALI DEV. CO-OP. SOCIETY BUILDING, JAWALE,KADLAK ROAD, TALUKA - SANGAMNER,CHOKHALI,DIST. AHMEDNAGAR, PIN - 422 605 MAHARASHTRA., which puts it inside Chikhali, the broader Ahmednagar district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India Chikhali branch” — the verified location pin for IFSC UBIN0548251 should appear at the top of the results.
2. Confirm the branch is open by calling 260030 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 UBIN0548251 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0548251 for Union Bank of India – CHIKHALI, 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 Chikhali branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0548251, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0548251 belongs to Union Bank of India's CHIKHALI branch, located at CHIKHALI DEV. CO-OP. SOCIETY BUILDING, JAWALE,KADLAK ROAD, TALUKA -… in CHIKHALI, MAHARASHTRA. 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.