IFSC Code of Union Bank of India, Malgodown Cuttack Branch, Odisha

Use this page as a one-stop reference for everything related to Union Bank of India's MALGODOWN CUTTACK branch in CUTTACK, ODISHA. The branch's IFSC code UBIN0802280 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.

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, UBIN0802280 is the IFSC of Union Bank of India's MALGODOWN CUTTACK branch. The format is fixed: UBIN = bank code, 0 = reserved, 802280 = branch identifier.

About the bank

Union Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Malgodown Cuttack branch in Cuttack, Odisha is part of this network and uses the IFSC code UBIN0802280 for all electronic settlement.

Branch details at a glance

About the Malgodown Cuttack branch

The Malgodown Cuttack branch of Union Bank of India is situated at PLOT NO.36,PILGRIM RD COLLEGE SQUAREMALGODOWN,CUTTAK DIST,ORISSA. 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 UBIN0802280 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 MALGODOWN CUTTACK branch came to be assigned the code UBIN0802280.

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 UBIN0802280, money simply cannot be routed to the MALGODOWN CUTTACK branch electronically.

Products and account variants supported

Every account opened at the Malgodown Cuttack branch is mapped to IFSC UBIN0802280 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 UBIN0802280.

Products and services

Customers walking into the Malgodown Cuttack 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 UBIN0802280

How to transfer money using IFSC UBIN0802280

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 UBIN0802280 across all three.

How to use IFSC UBIN0802280 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's MALGODOWN CUTTACK 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 UBIN0802280.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as MALGODOWN CUTTACK.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UBIN0802280

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 – MALGODOWN CUTTACK, ensure your bank's portal accepts IFSC UBIN0802280 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Union Bank of India – MALGODOWN CUTTACK, use IMPS. With IFSC UBIN0802280 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Malgodown Cuttack

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 UBIN0802280:

• 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 MALGODOWN CUTTACK is still linked to IFSC UBIN0802280.

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 UBIN0802280

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 – MALGODOWN CUTTACK is still mapped to IFSC UBIN0802280. 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 UBIN0802280 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UBIN0802280

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the MALGODOWN CUTTACK 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 UBIN0802280 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 Malgodown Cuttack branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0802280 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – MALGODOWN CUTTACK:

• The IFSC is exactly UBIN0802280 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 MALGODOWN CUTTACK 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 Malgodown Cuttack branch

The branch is located at PLOT NO.36,PILGRIM RD COLLEGE SQUAREMALGODOWN,CUTTAK DIST,ORISSA, which puts it inside Cuttack, the broader Cuttack district, and the state of Odisha. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India Malgodown Cuttack branch” — the verified location pin for IFSC UBIN0802280 should appear at the top of the results.
2. Confirm the branch is open by calling 2200452559 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 UBIN0802280 and your account number.

Verifying IFSC UBIN0802280 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 UBIN0802280 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2200452559.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Malgodown Cuttack 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 UBIN0802280 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0802280 belongs to Union Bank of India's MALGODOWN CUTTACK branch, located at PLOT NO.36,PILGRIM RD COLLEGE SQUAREMALGODOWN,CUTTAK DIST,ORISSA in CUTTACK, ODISHA. 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.