IFSC Code of Union Bank of India, Chikkodi Branch, Karnataka

If you are searching for the IFSC code of Union Bank of India, CHIKKODI branch in CHIKODI, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is UBIN0911305. 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 CHIKKODI branch, and detailed step-by-step guides for using the IFSC UBIN0911305 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.

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 CHIKKODI branch, the IFSC UBIN0911305 breaks down as follows: UBIN identifies the bank, 0 is the reserved character, and 911305 identifies this particular branch.

Branch details at a glance

About Union Bank of India

Union Bank of India operates a wide network of branches across India, including the Chikkodi branch in Chikodi. 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, UBIN0911305.

About the Chikkodi branch

The Chikkodi branch of Union Bank of India is situated at NO 606532992,NIPPANIMAHALINGAPUR STATE HIGHWAY,CHIKKODI DISTRICT,BELGAUM,84 KARNATAKA. 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 UBIN0911305 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 CHIKKODI branch came to be assigned the code UBIN0911305.

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 UBIN0911305, money simply cannot be routed to the CHIKKODI branch electronically.

How to transfer money using IFSC UBIN0911305

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 UBIN0911305 across all three.

How to use IFSC UBIN0911305 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's CHIKKODI 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 UBIN0911305.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as CHIKKODI.
5. 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 CHIKKODI

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's CHIKKODI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0911305 while initiating the transfer and the credit will appear within minutes.

IMPS to Union Bank of India CHIKKODI (IFSC UBIN0911305)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0911305 in your mobile or internet banking app, and the money is credited to the CHIKKODI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Chikkodi

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 UBIN0911305:

• 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 CHIKKODI is still linked to IFSC UBIN0911305.

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 UBIN0911305

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 – CHIKKODI is still mapped to IFSC UBIN0911305. 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 UBIN0911305 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Chikkodi branch is mapped to IFSC UBIN0911305 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 UBIN0911305.

Banking services available

The Chikkodi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8338-275522.

• 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 UBIN0911305

MICR & cheque-truncation details

Cheques drawn on the Chikkodi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0911305 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 Chikkodi 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 UBIN0911305 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.

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 – CHIKKODI:

• The IFSC is exactly UBIN0911305 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 CHIKKODI 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 Chikkodi branch

The branch is located at NO 606532992,NIPPANIMAHALINGAPUR STATE HIGHWAY,CHIKKODI DISTRICT,BELGAUM,84 KARNATAKA, which puts it inside Chikodi, the broader Belgaum district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India Chikkodi branch” — the verified location pin for IFSC UBIN0911305 should appear at the top of the results.
2. Confirm the branch is open by calling 8338-275522 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 UBIN0911305 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0911305 for Union Bank of India – CHIKKODI, 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.

Working hours

Branch counters at Chikkodi 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 UBIN0911305 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0911305 belongs to Union Bank of India's CHIKKODI branch, located at NO 606532992,NIPPANIMAHALINGAPUR STATE HIGHWAY,CHIKKODI DISTRICT,BELGAUM,84… in CHIKODI, KARNATAKA. 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.