IFSC Code of Union Bank of India, Spl Agrl Finanace B Branch, Andhra Pradesh

Use this page as a one-stop reference for everything related to Union Bank of India's SPL AGRL FINANACE B branch in GOLLAPUDI, ANDHRA PRADESH. The branch's IFSC code UBIN0810576 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 SPL AGRL FINANACE B branch, the IFSC UBIN0810576 breaks down as follows: UBIN identifies the bank, 0 is the reserved character, and 810576 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 Spl Agrl Finanace B branch — IFSC UBIN0810576 — extends the bank's services to customers in and around Gollapudi, Andhra Pradesh.

Spl Agrl Finanace B branch overview

Located at RDOOR 23/3/SAIPURGOLLAPUDI,KRISHNA DIST,AP, the Spl Agrl Finanace B branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UBIN0810576 is required for all interbank electronic transfers routed through this branch.

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 SPL AGRL FINANACE B of Union Bank of India — its own 11-character IFSC. The code UBIN0810576 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 UBIN0810576 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC UBIN0810576

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 UBIN0810576 across all three.

NEFT to Union Bank of India, SPL AGRL FINANACE B using IFSC UBIN0810576

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 UBIN0810576, and confirm that the system picks up Union Bank of India – SPL AGRL FINANACE B. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UBIN0810576

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 – SPL AGRL FINANACE B, ensure your bank's portal accepts IFSC UBIN0810576 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Union Bank of India SPL AGRL FINANACE B (IFSC UBIN0810576)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0810576 in your mobile or internet banking app, and the money is credited to the SPL AGRL FINANACE B branch account within seconds.

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

All three modes accept the IFSC UBIN0810576 for Union Bank of India – SPL AGRL FINANACE B, 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 Spl Agrl Finanace B 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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Union Bank of India's SPL AGRL FINANACE B branch, the IFSC UBIN0810576 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Account types you can open at the Spl Agrl Finanace B branch

Once you have an account at Union Bank of India – SPL AGRL FINANACE B, the IFSC UBIN0810576 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Spl Agrl Finanace B branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8662414909.

• 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 UBIN0810576

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 UBIN0810576 and the account number together uniquely identify the Spl Agrl Finanace B branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC UBIN0810576

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the SPL AGRL FINANACE B 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 UBIN0810576 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 UBIN0810576

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 – SPL AGRL FINANACE B, 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: UBIN0810576.
• 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 Spl Agrl Finanace B branch

The branch is located at RDOOR 23/3/SAIPURGOLLAPUDI,KRISHNA DIST,AP, which puts it inside Gollapudi, the broader Krishna district, and the state of Andhra Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India Spl Agrl Finanace B branch” — the verified location pin for IFSC UBIN0810576 should appear at the top of the results.
2. Confirm the branch is open by calling 8662414909 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 UBIN0810576 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0810576 for Union Bank of India – SPL AGRL FINANACE B, 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 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 Spl Agrl Finanace B branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0810576, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0810576 belongs to Union Bank of India's SPL AGRL FINANACE B branch, located at RDOOR 23/3/SAIPURGOLLAPUDI,KRISHNA DIST,AP in GOLLAPUDI, ANDHRA 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.