IFSC Code of Union Bank of India, Gayatri Nagar Branch, Uttar Pradesh

If you are searching for the IFSC code of Union Bank of India, GAYATRI NAGAR branch in JAGDISHPUR, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is UBIN0915319. 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 GAYATRI NAGAR branch, and detailed step-by-step guides for using the IFSC UBIN0915319 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.

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, UBIN0915319 is the IFSC of Union Bank of India's GAYATRI NAGAR branch. The format is fixed: UBIN = bank code, 0 = reserved, 915319 = branch identifier.

Branch details at a glance

About Union Bank of India

Union Bank of India operates a wide network of branches across India, including the Gayatri Nagar branch in Jagdishpur. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UBIN0915319.

About this branch

The branch is located at JAYAT JAGDISHPUR ROAD,GORIYABAD 227809. It serves the Jagdishpur 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 UBIN0915319 is used to identify this branch on the RBI payments network.

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 GAYATRI NAGAR of Union Bank of India — its own 11-character IFSC. The code UBIN0915319 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 UBIN0915319 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 UBIN0915319

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 UBIN0915319 across all three.

How to use IFSC UBIN0915319 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's GAYATRI NAGAR 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 UBIN0915319.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as GAYATRI NAGAR.
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 UBIN0915319

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 – GAYATRI NAGAR, ensure your bank's portal accepts IFSC UBIN0915319 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Union Bank of India GAYATRI NAGAR (IFSC UBIN0915319)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0915319 in your mobile or internet banking app, and the money is credited to the GAYATRI NAGAR branch account within seconds.

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

All three modes accept the IFSC UBIN0915319 for Union Bank of India – GAYATRI NAGAR, 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 Gayatri Nagar 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 GAYATRI NAGAR branch, the IFSC UBIN0915319 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 Gayatri Nagar branch is mapped to IFSC UBIN0915319 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 UBIN0915319.

Banking services available

The Gayatri Nagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 5361-235014.

• 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 UBIN0915319

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 UBIN0915319 and the account number together uniquely identify the Gayatri Nagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC UBIN0915319

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the GAYATRI NAGAR 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 UBIN0915319 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.

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 – GAYATRI NAGAR:

• The IFSC is exactly UBIN0915319 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 GAYATRI NAGAR 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.

How to reach the Gayatri Nagar branch

The branch is located at JAYAT JAGDISHPUR ROAD,GORIYABAD 227809, which puts it inside Jagdishpur, the broader Sultanpur district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India Gayatri Nagar branch” — the verified location pin for IFSC UBIN0915319 should appear at the top of the results.
2. Confirm the branch is open by calling 5361-235014 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 UBIN0915319 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0915319 for Union Bank of India – GAYATRI NAGAR, 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.

Working hours

Branch counters at Gayatri Nagar 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 UBIN0915319 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UBIN0915319 is the IFSC code of Union Bank of India, GAYATRI NAGAR branch, in JAGDISHPUR, UTTAR PRADESH. 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.