IFSC Code of Union Bank of India, Ghaziabadramprastha Branch, Uttar Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Union Bank of India, GHAZIABADRAMPRASTHA branch in GHAZIABAD. The 11-digit IFSC UBIN0905348 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 GHAZIABADRAMPRASTHA 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.

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, UBIN0905348 is the IFSC of Union Bank of India's GHAZIABADRAMPRASTHA branch. The format is fixed: UBIN = bank code, 0 = reserved, 905348 = 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 Ghaziabadramprastha branch in Ghaziabad, Uttar Pradesh is part of this network and uses the IFSC code UBIN0905348 for all electronic settlement.

Ghaziabadramprastha branch overview

Located at DEEP MEM.PUB.SCHOOL,DEEP VIHAR,CHANDER NGR,RAMPRASTHA,GHAZIABAD201011, the Ghaziabadramprastha branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UBIN0905348 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 GHAZIABADRAMPRASTHA branch came to be assigned the code UBIN0905348.

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 UBIN0905348, money simply cannot be routed to the GHAZIABADRAMPRASTHA branch electronically.

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 UBIN0905348 and the account number together uniquely identify the Ghaziabadramprastha branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC UBIN0905348

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 UBIN0905348 across all three.

NEFT to Union Bank of India, GHAZIABADRAMPRASTHA using IFSC UBIN0905348

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 UBIN0905348, and confirm that the system picks up Union Bank of India – GHAZIABADRAMPRASTHA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GHAZIABADRAMPRASTHA

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's GHAZIABADRAMPRASTHA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0905348 while initiating the transfer and the credit will appear within minutes.

IMPS to Union Bank of India GHAZIABADRAMPRASTHA (IFSC UBIN0905348)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0905348 in your mobile or internet banking app, and the money is credited to the GHAZIABADRAMPRASTHA branch account within seconds.

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

All three modes accept the IFSC UBIN0905348 for Union Bank of India – GHAZIABADRAMPRASTHA, 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 Ghaziabadramprastha 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 UBIN0905348

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 – GHAZIABADRAMPRASTHA is still mapped to IFSC UBIN0905348. 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 UBIN0905348 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Ghaziabadramprastha branch is mapped to IFSC UBIN0905348 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 UBIN0905348.

Banking services available

The Ghaziabadramprastha branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 120-2627568.

• 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 UBIN0905348

Digital banking channels

Most day-to-day work that customers used to do at the Ghaziabadramprastha 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 UBIN0905348 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.

Reaching the branch

The Ghaziabadramprastha branch sits at DEEP MEM.PUB.SCHOOL,DEEP VIHAR,CHANDER NGR,RAMPRASTHA,GHAZIABAD201011. If you are travelling from outside Ghaziabad, search for the branch on a maps application using the bank name and locality, or call 120-2627568 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 UBIN0905348 and your account number.

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 – GHAZIABADRAMPRASTHA:

• The IFSC is exactly UBIN0905348 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 GHAZIABADRAMPRASTHA 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.

Working hours

Branch counters at Ghaziabadramprastha 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 UBIN0905348 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0905348 for Union Bank of India – GHAZIABADRAMPRASTHA, 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 UBIN0905348 belongs to Union Bank of India's GHAZIABADRAMPRASTHA branch, located at DEEP MEM.PUB.SCHOOL,DEEP VIHAR,CHANDER NGR,RAMPRASTHA,GHAZIABAD201011 in GHAZIABAD, UTTAR PRADESH. 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.