Use this page as a one-stop reference for everything related to Union Bank of India's DANDEVADO branch in CHINCHINIM, GOA. The branch's IFSC code UBIN0902853 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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 DANDEVADO branch, the IFSC UBIN0902853 breaks down as follows: UBIN identifies the bank, 0 is the reserved character, and 902853 identifies this particular branch.
Branch details at a glance
| Bank Name | Union Bank of India |
|---|---|
| Branch | Dandevado |
| IFSC Code | UBIN0902853 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NH 17,S.NO.4121 OPP.DANDEVADO BUS STOP, CHINCHINIM 403715 |
| City | Chinchinim |
| District | South Goa |
| State | Goa |
| STD Code | 832 |
| Phone | 2862642 |
Bank profile
Union Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Dandevado branch — IFSC UBIN0902853 — extends the bank's services to customers in and around Chinchinim, Goa.
About this branch
The branch is located at NH 17,S.NO.4121 OPP.DANDEVADO BUS STOP, CHINCHINIM 403715. It serves the Chinchinim 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 UBIN0902853 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 DANDEVADO branch came to be assigned the code UBIN0902853.
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 UBIN0902853, money simply cannot be routed to the DANDEVADO branch electronically.
How to transfer money using IFSC UBIN0902853
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 UBIN0902853 across all three.
NEFT to Union Bank of India, DANDEVADO using IFSC UBIN0902853
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 UBIN0902853, and confirm that the system picks up Union Bank of India – DANDEVADO. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UBIN0902853
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Union Bank of India – DANDEVADO, ensure your bank's portal accepts IFSC UBIN0902853 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Union Bank of India DANDEVADO (IFSC UBIN0902853)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0902853 in your mobile or internet banking app, and the money is credited to the DANDEVADO branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UBIN0902853 for Union Bank of India – DANDEVADO, 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 – UBIN0902853 | Yes – UBIN0902853 | Yes – UBIN0902853 |
For most retail customers crediting the Dandevado 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.
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 DANDEVADO branch, the IFSC UBIN0902853 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.
Account types you can open at the Dandevado branch
Once you have an account at Union Bank of India – DANDEVADO, the IFSC UBIN0902853 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.
Banking services available
The Dandevado branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 832-2862642.
- 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 UBIN0902853
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 UBIN0902853 and the account number together uniquely identify the Dandevado branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Dandevado 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 UBIN0902853 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.
Common mistakes to avoid when using IFSC UBIN0902853
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 – DANDEVADO, 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:
UBIN0902853. - 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.
Reaching the branch
The Dandevado branch sits at NH 17,S.NO.4121 OPP.DANDEVADO BUS STOP, CHINCHINIM 403715. If you are travelling from outside Chinchinim, search for the branch on a maps application using the bank name and locality, or call 832-2862642 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 UBIN0902853 and your account number.
Verifying IFSC UBIN0902853 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 UBIN0902853 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 832-2862642.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Dandevado 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 UBIN0902853 continue to work without interruption.
Branch address & contact
Union Bank of IndiaDandevado Branch
NH 17,S.NO.4121 OPP.DANDEVADO BUS STOP, CHINCHINIM 403715
Chinchinim, Goa
Phone: 832-2862642
IFSC: UBIN0902853
Frequently asked questions
Does Union Bank of India Dandevado branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 832-2862642 to confirm.
Can I use IFSC UBIN0902853 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UBIN0902853 to send funds instantly.
Is IFSC UBIN0902853 valid for NEFT and RTGS?
Yes. IFSC UBIN0902853 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC UBIN0902853 the same for all accounts at Dandevado branch?
Yes. The IFSC UBIN0902853 is shared by every account held at Union Bank of India's Dandevado branch. Only the account number changes from customer to customer.
How do I add Union Bank of India Dandevado as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UBIN0902853, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Union Bank of India Dandevado branch?
The IFSC code of Union Bank of India, Dandevado branch is UBIN0902853. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using UBIN0902853 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Union Bank of India – Dandevado 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 Dandevado branch but serve different purposes.
Summary
The IFSC code UBIN0902853 belongs to Union Bank of India's DANDEVADO branch, located at NH 17,S.NO.4121 OPP.DANDEVADO BUS STOP, CHINCHINIM 403715 in CHINCHINIM, GOA. 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.
More Articles for IFSC Code
IFSC Code of Zila Sahakri Bank Limited Ghaziabad, Loni Branch, Uttar Pradesh
