IFSC Code of Union Bank of India, Kannavarithota Guntur Branch, Andhra Pradesh

Below are the complete branch details for Union Bank of India, KANNAVARITHOTA GUNTUR branch, located in GUNTUR, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is UBIN0802425. 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 UBIN0802425 for Union Bank of India – KANNAVARITHOTA GUNTUR — 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 – KANNAVARITHOTA GUNTUR is UBIN0802425. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 802425 map to this branch in GUNTUR, ANDHRA PRADESH.

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 Kannavarithota Guntur branch — IFSC UBIN0802425 — extends the bank's services to customers in and around Guntur, Andhra Pradesh.

Kannavarithota Guntur branch overview

Located at 96-1-95,MAIN ROAD,NAGARAM PALEMKANNAVARITHOTA,GUNTUR DIST AP, the Kannavarithota Guntur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UBIN0802425 is required for all interbank electronic transfers routed through this branch.

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 KANNAVARITHOTA GUNTUR branch came to be assigned the code UBIN0802425.

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 UBIN0802425, money simply cannot be routed to the KANNAVARITHOTA GUNTUR branch electronically.

How to transfer money using IFSC UBIN0802425

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 UBIN0802425 across all three.

How to use IFSC UBIN0802425 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's KANNAVARITHOTA GUNTUR 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 UBIN0802425.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as KANNAVARITHOTA GUNTUR.
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 KANNAVARITHOTA GUNTUR

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's KANNAVARITHOTA GUNTUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0802425 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 – KANNAVARITHOTA GUNTUR, use IMPS. With IFSC UBIN0802425 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 UBIN0802425 for Union Bank of India – KANNAVARITHOTA GUNTUR, 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 Kannavarithota Guntur 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 UBIN0802425

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 – KANNAVARITHOTA GUNTUR is still mapped to IFSC UBIN0802425. 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 UBIN0802425 and the beneficiary's account number to complete the transfer.

Account types you can open at the Kannavarithota Guntur branch

Once you have an account at Union Bank of India – KANNAVARITHOTA GUNTUR, the IFSC UBIN0802425 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.

Products and services

Customers walking into the Kannavarithota Guntur branch can access most of Union Bank of India's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC UBIN0802425

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 UBIN0802425 and the account number together uniquely identify the Kannavarithota Guntur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Kannavarithota Guntur 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 UBIN0802425 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.

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 – KANNAVARITHOTA GUNTUR:

• The IFSC is exactly UBIN0802425 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 KANNAVARITHOTA GUNTUR 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.

Reaching the branch

The Kannavarithota Guntur branch sits at 96-1-95,MAIN ROAD,NAGARAM PALEMKANNAVARITHOTA,GUNTUR DIST AP. If you are travelling from outside Guntur, search for the branch on a maps application using the bank name and locality, or call 132216530 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 UBIN0802425 and your account number.

Verifying IFSC UBIN0802425 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 UBIN0802425 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 132216530.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Kannavarithota Guntur 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 UBIN0802425 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0802425 belongs to Union Bank of India's KANNAVARITHOTA GUNTUR branch, located at 96-1-95,MAIN ROAD,NAGARAM PALEMKANNAVARITHOTA,GUNTUR DIST AP in GUNTUR, 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.