If you are searching for the IFSC code of Union Bank of India, DHARWAD SAPTAPUR branch in HUBLI DHARWAD, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is UBIN0930628. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the DHARWAD SAPTAPUR branch, and detailed step-by-step guides for using the IFSC UBIN0930628 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 – DHARWAD SAPTAPUR is UBIN0930628. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 930628 map to this branch in HUBLI DHARWAD, KARNATAKA.
Branch details at a glance
| Bank Name | Union Bank of India |
|---|---|
| Branch | Dharwad Saptapur |
| IFSC Code | UBIN0930628 |
| MICR Code | Refer to cheque leaf |
| Branch Address | CTS NO 37B 2 NEAR SAPTAPUR BHAVI SAPTAPUR DHARWAD 580001 KARNATAKA |
| City | Hubli Dharwad |
| District | Dharwad |
| State | Karnataka |
| Phone | 9945902994 |
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 Dharwad Saptapur branch in Hubli Dharwad, Karnataka is part of this network and uses the IFSC code UBIN0930628 for all electronic settlement.
About this branch
The branch is located at CTS NO 37B 2 NEAR SAPTAPUR BHAVI SAPTAPUR DHARWAD 580001 KARNATAKA. It serves the Hubli Dharwad region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Union Bank of India. The IFSC UBIN0930628 is used to identify this branch on the RBI payments network.
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 DHARWAD SAPTAPUR branch came to be assigned the code UBIN0930628.
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 UBIN0930628, money simply cannot be routed to the DHARWAD SAPTAPUR branch electronically.
How to transfer money using IFSC UBIN0930628
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 UBIN0930628 across all three.
NEFT to Union Bank of India, DHARWAD SAPTAPUR using IFSC UBIN0930628
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 UBIN0930628, and confirm that the system picks up Union Bank of India – DHARWAD SAPTAPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to DHARWAD SAPTAPUR
If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's DHARWAD SAPTAPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0930628 while initiating the transfer and the credit will appear within minutes.
IMPS to Union Bank of India DHARWAD SAPTAPUR (IFSC UBIN0930628)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0930628 in your mobile or internet banking app, and the money is credited to the DHARWAD SAPTAPUR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UBIN0930628 for Union Bank of India – DHARWAD SAPTAPUR, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – UBIN0930628 | Yes – UBIN0930628 | Yes – UBIN0930628 |
For most retail customers crediting the Dharwad Saptapur 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 DHARWAD SAPTAPUR branch, the IFSC UBIN0930628 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.
Products and account variants supported
Every account opened at the Dharwad Saptapur branch is mapped to IFSC UBIN0930628 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 UBIN0930628.
Banking services available
The Dharwad Saptapur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9945902994.
- 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 UBIN0930628
MICR & cheque-truncation details
Cheques drawn on the Dharwad Saptapur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0930628 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Dharwad Saptapur 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 UBIN0930628 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 – DHARWAD SAPTAPUR:
- The IFSC is exactly UBIN0930628 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 DHARWAD SAPTAPUR 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 Dharwad Saptapur branch sits at CTS NO 37B 2 NEAR SAPTAPUR BHAVI SAPTAPUR DHARWAD 580001 KARNATAKA. If you are travelling from outside Hubli Dharwad, search for the branch on a maps application using the bank name and locality, or call 9945902994 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 UBIN0930628 and your account number.
Verifying IFSC UBIN0930628 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 UBIN0930628 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 9945902994.
- Visiting the bank's official branch locator page.
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 Dharwad Saptapur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0930628, however, work 24x7.
Branch address & contact
Union Bank of IndiaDharwad Saptapur Branch
CTS NO 37B 2 NEAR SAPTAPUR BHAVI SAPTAPUR DHARWAD 580001 KARNATAKA
Hubli Dharwad, Karnataka
Phone: 9945902994
IFSC: UBIN0930628
Frequently asked questions
Does Union Bank of India Dharwad Saptapur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 9945902994 to confirm.
What is the phone number of Union Bank of India Dharwad Saptapur branch?
You can reach the branch at 9945902994 during regular banking hours.
Where is Union Bank of India Dharwad Saptapur branch located?
Union Bank of India's Dharwad Saptapur branch is located at CTS NO 37B 2 NEAR SAPTAPUR BHAVI SAPTAPUR DHARWAD 580001 KARNATAKA, Hubli Dharwad, Karnataka.
How quickly will an NEFT transfer using UBIN0930628 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Union Bank of India – Dharwad Saptapur reflect within 30 minutes.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Dharwad Saptapur branch but serve different purposes.
Is IFSC UBIN0930628 the same for all accounts at Dharwad Saptapur branch?
Yes. The IFSC UBIN0930628 is shared by every account held at Union Bank of India's Dharwad Saptapur branch. Only the account number changes from customer to customer.
Is IFSC UBIN0930628 valid for NEFT and RTGS?
Yes. IFSC UBIN0930628 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: UBIN0930628 is the IFSC code of Union Bank of India, DHARWAD SAPTAPUR branch, in HUBLI DHARWAD, KARNATAKA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
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