IFSC Code of Union Bank of India, Regional Office Guntur Branch, Andhra Pradesh

Use this page as a one-stop reference for everything related to Union Bank of India's REGIONAL OFFICE GUNTUR branch in GUNTUR, ANDHRA PRADESH. The branch's IFSC code UBIN0578606 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.

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 – REGIONAL OFFICE GUNTUR is UBIN0578606. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 578606 map to this branch in GUNTUR, ANDHRA PRADESH.

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 Regional Office Guntur branch in Guntur, Andhra Pradesh is part of this network and uses the IFSC code UBIN0578606 for all electronic settlement.

About the Regional Office Guntur branch

The Regional Office Guntur branch of Union Bank of India is situated at KRISHNA PLAZA, NAGARAMPALEM, GT ROAD, GUNTUR, 522004, ANDHRA PRADESH. 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 UBIN0578606 is used.

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 REGIONAL OFFICE GUNTUR branch came to be assigned the code UBIN0578606.

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 UBIN0578606, money simply cannot be routed to the REGIONAL OFFICE GUNTUR branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Regional Office Guntur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0578606 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 UBIN0578606

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 UBIN0578606 across all three.

How to use IFSC UBIN0578606 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's REGIONAL OFFICE 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 UBIN0578606.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as REGIONAL OFFICE GUNTUR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UBIN0578606

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 – REGIONAL OFFICE GUNTUR, ensure your bank's portal accepts IFSC UBIN0578606 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Union Bank of India REGIONAL OFFICE GUNTUR (IFSC UBIN0578606)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0578606 in your mobile or internet banking app, and the money is credited to the REGIONAL OFFICE GUNTUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Regional Office Guntur

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 UBIN0578606:

• 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 REGIONAL OFFICE GUNTUR is still linked to IFSC UBIN0578606.

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 UBIN0578606

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 – REGIONAL OFFICE GUNTUR is still mapped to IFSC UBIN0578606. 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 UBIN0578606 and the beneficiary's account number to complete the transfer.

Account types you can open at the Regional Office Guntur branch

Once you have an account at Union Bank of India – REGIONAL OFFICE GUNTUR, the IFSC UBIN0578606 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 Regional Office Guntur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 863-2232610.

• 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 UBIN0578606

Online banking and IFSC UBIN0578606

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the REGIONAL OFFICE GUNTUR 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 UBIN0578606 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.

Reaching the branch

The Regional Office Guntur branch sits at KRISHNA PLAZA, NAGARAMPALEM, GT ROAD, GUNTUR, 522004, ANDHRA PRADESH. If you are travelling from outside Guntur, search for the branch on a maps application using the bank name and locality, or call 863-2232610 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 UBIN0578606 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 – REGIONAL OFFICE GUNTUR:

• The IFSC is exactly UBIN0578606 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 REGIONAL OFFICE 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.

Working hours

Branch counters at Regional Office 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 UBIN0578606 continue to work without interruption.

Verifying IFSC UBIN0578606 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 UBIN0578606 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 863-2232610.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0578606 belongs to Union Bank of India's REGIONAL OFFICE GUNTUR branch, located at KRISHNA PLAZA, NAGARAMPALEM, GT ROAD, GUNTUR, 522004, ANDHRA PRADESH 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.