IFSC Code of Union Bank of India, Gandhidham,Kftz Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for Union Bank of India, GANDHIDHAM,KFTZ branch in GANDHIDHAM. The 11-digit IFSC UBIN0544892 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 GANDHIDHAM,KFTZ 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 – GANDHIDHAM,KFTZ is UBIN0544892. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 544892 map to this branch in GANDHIDHAM, GUJARAT.

About Union Bank of India

Union Bank of India operates a wide network of branches across India, including the Gandhidham,Kftz branch in Gandhidham. 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, UBIN0544892.

About the Gandhidham,Kftz branch

The Gandhidham,Kftz branch of Union Bank of India is situated at UNION BANK OF INDIA, GANDHIDHAM (KFTZ), 1ST FLOOR, MANJU CHAMBERS,, PLOT NO. 337 - 338, SECTOR NO. 1A,, TAGORE NAGAR, GANDHIDHAM, KUTCH-370 201.. 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 UBIN0544892 is used.

Branch details at a glance

Why every Union Bank of India branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including GANDHIDHAM,KFTZ of Union Bank of India — its own 11-character IFSC. The code UBIN0544892 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC UBIN0544892 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Gandhidham,Kftz branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0544892 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC UBIN0544892

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 UBIN0544892 across all three.

NEFT to Union Bank of India, GANDHIDHAM,KFTZ using IFSC UBIN0544892

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 UBIN0544892, and confirm that the system picks up Union Bank of India – GANDHIDHAM,KFTZ. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GANDHIDHAM,KFTZ

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's GANDHIDHAM,KFTZ branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0544892 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 – GANDHIDHAM,KFTZ, use IMPS. With IFSC UBIN0544892 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 UBIN0544892 for Union Bank of India – GANDHIDHAM,KFTZ, 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 Gandhidham,Kftz 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 UBIN0544892

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 – GANDHIDHAM,KFTZ is still mapped to IFSC UBIN0544892. 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 UBIN0544892 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Gandhidham,Kftz branch is mapped to IFSC UBIN0544892 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 UBIN0544892.

Banking services available

The Gandhidham,Kftz branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 229318.

• 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 UBIN0544892

Digital banking channels

Most day-to-day work that customers used to do at the Gandhidham,Kftz 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 UBIN0544892 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.

How to reach the Gandhidham,Kftz branch

The branch is located at UNION BANK OF INDIA, GANDHIDHAM (KFTZ), 1ST FLOOR, MANJU CHAMBERS,, PLOT NO. 337 - 338, SECTOR NO. 1A,, TAGORE NAGAR, GANDHIDHAM, KUTCH-370 201., which puts it inside Gandhidham, the broader Kutch district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India Gandhidham,Kftz branch” — the verified location pin for IFSC UBIN0544892 should appear at the top of the results.
2. Confirm the branch is open by calling 229318 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 UBIN0544892 and your account number.

Common mistakes to avoid when using IFSC UBIN0544892

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 – GANDHIDHAM,KFTZ, 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: UBIN0544892.
• 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.

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 Gandhidham,Kftz branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0544892, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0544892 for Union Bank of India – GANDHIDHAM,KFTZ, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0544892 belongs to Union Bank of India's GANDHIDHAM,KFTZ branch, located at UNION BANK OF INDIA, GANDHIDHAM (KFTZ), 1ST FLOOR, MANJU CHAMBERS,, PLOT NO.… in GANDHIDHAM, GUJARAT. 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.