IFSC Code of Union Bank of India, Dehradun Patel Naga Branch, Uttarakhand

Below are the complete branch details for Union Bank of India, DEHRADUN PATEL NAGA branch, located in DEHRADUN, UTTARAKHAND. The IFSC assigned by the Reserve Bank of India to this branch is UBIN0932981. 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 UBIN0932981 for Union Bank of India – DEHRADUN PATEL NAGA — 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 – DEHRADUN PATEL NAGA is UBIN0932981. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 932981 map to this branch in DEHRADUN, UTTARAKHAND.

Bank profile

Union Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Dehradun Patel Naga branch — IFSC UBIN0932981 — extends the bank's services to customers in and around Dehradun, Uttarakhand.

Branch details at a glance

About the Dehradun Patel Naga branch

The Dehradun Patel Naga branch of Union Bank of India is situated at OPP SBI NIRANJANPUR SAHARANPUR ROAD HCL COMPLEX DEHRADUN UTTARAKHAND 248001. 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 UBIN0932981 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 DEHRADUN PATEL NAGA branch came to be assigned the code UBIN0932981.

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 UBIN0932981, money simply cannot be routed to the DEHRADUN PATEL NAGA branch electronically.

Products and account variants supported

Every account opened at the Dehradun Patel Naga branch is mapped to IFSC UBIN0932981 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 UBIN0932981.

Banking services available

The Dehradun Patel Naga branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8474988793.

• 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 UBIN0932981

How to transfer money using IFSC UBIN0932981

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 UBIN0932981 across all three.

NEFT to Union Bank of India, DEHRADUN PATEL NAGA using IFSC UBIN0932981

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 UBIN0932981, and confirm that the system picks up Union Bank of India – DEHRADUN PATEL NAGA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to DEHRADUN PATEL NAGA

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's DEHRADUN PATEL NAGA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0932981 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Union Bank of India – DEHRADUN PATEL NAGA, use IMPS. With IFSC UBIN0932981 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UBIN0932981 for Union Bank of India – DEHRADUN PATEL NAGA, 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.

For most retail customers crediting the Dehradun Patel Naga 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.

UPI payments and IFSC UBIN0932981

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 – DEHRADUN PATEL NAGA is still mapped to IFSC UBIN0932981. 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 UBIN0932981 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UBIN0932981

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the DEHRADUN PATEL NAGA 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 UBIN0932981 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 Dehradun Patel Naga branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0932981 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC UBIN0932981

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 – DEHRADUN PATEL NAGA, 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: UBIN0932981.
• 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 Dehradun Patel Naga branch sits at OPP SBI NIRANJANPUR SAHARANPUR ROAD HCL COMPLEX DEHRADUN UTTARAKHAND 248001. If you are travelling from outside Dehradun, search for the branch on a maps application using the bank name and locality, or call 8474988793 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 UBIN0932981 and your account number.

Verifying IFSC UBIN0932981 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 UBIN0932981 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8474988793.
• 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 Dehradun Patel Naga branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0932981, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: UBIN0932981 is the IFSC code of Union Bank of India, DEHRADUN PATEL NAGA branch, in DEHRADUN, UTTARAKHAND. 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.