IFSC Code of Union Bank of India, New Delhi Hauz Khas Branch, Delhi

Use this page as a one-stop reference for everything related to Union Bank of India's NEW DELHI HAUZ KHAS branch in DELHI, DELHI. The branch's IFSC code UBIN0904945 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 NEW DELHI HAUZ KHAS branch, the IFSC UBIN0904945 breaks down as follows: UBIN identifies the bank, 0 is the reserved character, and 904945 identifies this particular branch.

Branch details at a glance

Bank profile

Union Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The New Delhi Hauz Khas branch — IFSC UBIN0904945 — extends the bank's services to customers in and around Delhi, Delhi.

About the New Delhi Hauz Khas branch

The New Delhi Hauz Khas branch of Union Bank of India is situated at 14 KAUSHALYA PARK, OPP. G BLOCK MARKET, HAUZ KHAS, NEW DELHI 110016. 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 UBIN0904945 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 NEW DELHI HAUZ KHAS branch came to be assigned the code UBIN0904945.

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 UBIN0904945, money simply cannot be routed to the NEW DELHI HAUZ KHAS branch electronically.

How to transfer money using IFSC UBIN0904945

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 UBIN0904945 across all three.

How to use IFSC UBIN0904945 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's NEW DELHI HAUZ KHAS 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 UBIN0904945.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as NEW DELHI HAUZ KHAS.
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 NEW DELHI HAUZ KHAS

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's NEW DELHI HAUZ KHAS branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0904945 while initiating the transfer and the credit will appear within minutes.

IMPS to Union Bank of India NEW DELHI HAUZ KHAS (IFSC UBIN0904945)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0904945 in your mobile or internet banking app, and the money is credited to the NEW DELHI HAUZ KHAS branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to New Delhi Hauz Khas

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 UBIN0904945:

• 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 NEW DELHI HAUZ KHAS is still linked to IFSC UBIN0904945.

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 UBIN0904945

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 – NEW DELHI HAUZ KHAS is still mapped to IFSC UBIN0904945. 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 UBIN0904945 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the New Delhi Hauz Khas branch is mapped to IFSC UBIN0904945 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 UBIN0904945.

Banking services available

The New Delhi Hauz Khas branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 11-26850790.

• 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 UBIN0904945

MICR & cheque-truncation details

Cheques drawn on the New Delhi Hauz Khas branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0904945 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC UBIN0904945

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the NEW DELHI HAUZ KHAS 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 UBIN0904945 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.

Common mistakes to avoid when using IFSC UBIN0904945

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 – NEW DELHI HAUZ KHAS, 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: UBIN0904945.
• 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.

How to reach the New Delhi Hauz Khas branch

The branch is located at 14 KAUSHALYA PARK, OPP. G BLOCK MARKET, HAUZ KHAS, NEW DELHI 110016, which puts it inside Delhi, the broader Delhi district, and the state of Delhi. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India New Delhi Hauz Khas branch” — the verified location pin for IFSC UBIN0904945 should appear at the top of the results.
2. Confirm the branch is open by calling 11-26850790 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 UBIN0904945 and your account number.

Verifying IFSC UBIN0904945 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 UBIN0904945 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 11-26850790.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at New Delhi Hauz Khas 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 UBIN0904945 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UBIN0904945 is the IFSC code of Union Bank of India, NEW DELHI HAUZ KHAS branch, in DELHI, DELHI. 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.