IFSC Code of Union Bank of India, Coyalamannam Branch, Kerala

This page lists the IFSC code, branch address, contact number and fund-transfer information for Union Bank of India, COYALAMANNAM branch in COYALAMANNAM. The 11-digit IFSC UBIN0533947 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Union Bank of India at the COYALAMANNAM location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 – COYALAMANNAM is UBIN0533947. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 533947 map to this branch in COYALAMANNAM, KERALA.

Branch details at a glance

About Union Bank of India

Union Bank of India operates a wide network of branches across India, including the Coyalamannam branch in Coyalamannam. 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, UBIN0533947.

Coyalamannam branch overview

Located at K S M PLAZA, CHANDAPURA ROAD,COYALMANNAM, DIST. PALAKKAD, KERALA, PIN - 678 702., the Coyalamannam branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UBIN0533947 is required for all interbank electronic transfers routed through this branch.

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 COYALAMANNAM branch came to be assigned the code UBIN0533947.

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 UBIN0533947, money simply cannot be routed to the COYALAMANNAM branch electronically.

How to transfer money using IFSC UBIN0533947

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 UBIN0533947 across all three.

NEFT to Union Bank of India, COYALAMANNAM using IFSC UBIN0533947

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 UBIN0533947, and confirm that the system picks up Union Bank of India – COYALAMANNAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to COYALAMANNAM

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's COYALAMANNAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0533947 while initiating the transfer and the credit will appear within minutes.

IMPS to Union Bank of India COYALAMANNAM (IFSC UBIN0533947)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0533947 in your mobile or internet banking app, and the money is credited to the COYALAMANNAM branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Coyalamannam

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 UBIN0533947:

• 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 COYALAMANNAM is still linked to IFSC UBIN0533947.

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 UBIN0533947

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 – COYALAMANNAM is still mapped to IFSC UBIN0533947. 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 UBIN0533947 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Coyalamannam branch is mapped to IFSC UBIN0533947 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 UBIN0533947.

Banking services available

The Coyalamannam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2272030.

• 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 UBIN0533947

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 UBIN0533947 and the account number together uniquely identify the Coyalamannam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC UBIN0533947

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the COYALAMANNAM 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 UBIN0533947 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 – COYALAMANNAM:

• The IFSC is exactly UBIN0533947 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 COYALAMANNAM 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 Coyalamannam branch

The branch is located at K S M PLAZA, CHANDAPURA ROAD,COYALMANNAM, DIST. PALAKKAD, KERALA, PIN - 678 702., which puts it inside Coyalamannam, the broader Palakkad district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India Coyalamannam branch” — the verified location pin for IFSC UBIN0533947 should appear at the top of the results.
2. Confirm the branch is open by calling 2272030 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 UBIN0533947 and your account number.

Verifying IFSC UBIN0533947 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 UBIN0533947 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2272030.
• 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 Coyalamannam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0533947, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: UBIN0533947 is the IFSC code of Union Bank of India, COYALAMANNAM branch, in COYALAMANNAM, KERALA. 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.