IFSC Code of Union Bank of India, Jallandhar Lic Ec Branch, Punjab

If you are searching for the IFSC code of Union Bank of India, JALLANDHAR LIC EC branch in JALANDHAR, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is UBIN0921211. 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 JALLANDHAR LIC EC branch, and detailed step-by-step guides for using the IFSC UBIN0921211 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 – JALLANDHAR LIC EC is UBIN0921211. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 921211 map to this branch in JALANDHAR, PUNJAB.

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 Jallandhar Lic Ec branch in Jalandhar, Punjab is part of this network and uses the IFSC code UBIN0921211 for all electronic settlement.

Branch details at a glance

About the Jallandhar Lic Ec branch

The Jallandhar Lic Ec branch of Union Bank of India is situated at LIC OF INDIAS, MODEL TOWN ROAD, JALLANDHAR 144003. 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 UBIN0921211 is used.

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 JALLANDHAR LIC EC of Union Bank of India — its own 11-character IFSC. The code UBIN0921211 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 UBIN0921211 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Jallandhar Lic Ec branch

Once you have an account at Union Bank of India – JALLANDHAR LIC EC, the IFSC UBIN0921211 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 Jallandhar Lic Ec branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 181-5073763.

• 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 UBIN0921211

How to transfer money using IFSC UBIN0921211

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 UBIN0921211 across all three.

NEFT to Union Bank of India, JALLANDHAR LIC EC using IFSC UBIN0921211

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 UBIN0921211, and confirm that the system picks up Union Bank of India – JALLANDHAR LIC EC. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to JALLANDHAR LIC EC

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's JALLANDHAR LIC EC branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0921211 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 – JALLANDHAR LIC EC, use IMPS. With IFSC UBIN0921211 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 UBIN0921211 for Union Bank of India – JALLANDHAR LIC EC, 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 Jallandhar Lic Ec 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 UBIN0921211

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 – JALLANDHAR LIC EC is still mapped to IFSC UBIN0921211. 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 UBIN0921211 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UBIN0921211

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the JALLANDHAR LIC EC 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 UBIN0921211 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.

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 UBIN0921211 and the account number together uniquely identify the Jallandhar Lic Ec branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – JALLANDHAR LIC EC:

• The IFSC is exactly UBIN0921211 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 JALLANDHAR LIC EC 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 Jallandhar Lic Ec branch

The branch is located at LIC OF INDIAS, MODEL TOWN ROAD, JALLANDHAR 144003, which puts it inside Jalandhar, the broader Jalandhar district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India Jallandhar Lic Ec branch” — the verified location pin for IFSC UBIN0921211 should appear at the top of the results.
2. Confirm the branch is open by calling 181-5073763 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 UBIN0921211 and your account number.

Verifying IFSC UBIN0921211 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 UBIN0921211 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 181-5073763.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Jallandhar Lic Ec 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 UBIN0921211 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0921211 belongs to Union Bank of India's JALLANDHAR LIC EC branch, located at LIC OF INDIAS, MODEL TOWN ROAD, JALLANDHAR 144003 in JALANDHAR, PUNJAB. 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.