IFSC Code of Union Bank of India, Service Branch Jalandhar Civil Lines Jalandhar Branch, Punjab

This page lists the IFSC code, branch address, contact number and fund-transfer information for Union Bank of India, SERVICE BRANCH JALANDHAR CIVIL LINES JALANDHAR branch in JALANDHAR. The 11-digit IFSC UBIN0559849 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Union Bank of India at the SERVICE BRANCH JALANDHAR CIVIL LINES JALANDHAR location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Union Bank of India's SERVICE BRANCH JALANDHAR CIVIL LINES JALANDHAR branch, the IFSC UBIN0559849 breaks down as follows: UBIN identifies the bank, 0 is the reserved character, and 559849 identifies this particular branch.

Branch details at a glance

About Union Bank of India

Union Bank of India operates a wide network of branches across India, including the Service Branch Jalandhar Civil Lines Jalandhar branch in Jalandhar. 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, UBIN0559849.

Service Branch Jalandhar Civil Lines Jalandhar branch overview

Located at 12 PARAM MARKET OPP CIRCUIT HOUSE CIVIL LINES JALANDHAR, the Service Branch Jalandhar Civil Lines Jalandhar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UBIN0559849 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 SERVICE BRANCH JALANDHAR CIVIL LINES JALANDHAR branch came to be assigned the code UBIN0559849.

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 UBIN0559849, money simply cannot be routed to the SERVICE BRANCH JALANDHAR CIVIL LINES JALANDHAR branch electronically.

How to transfer money using IFSC UBIN0559849

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 UBIN0559849 across all three.

NEFT to Union Bank of India, SERVICE BRANCH JALANDHAR CIVIL LINES JALANDHAR using IFSC UBIN0559849

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 UBIN0559849, and confirm that the system picks up Union Bank of India – SERVICE BRANCH JALANDHAR CIVIL LINES JALANDHAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UBIN0559849

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 – SERVICE BRANCH JALANDHAR CIVIL LINES JALANDHAR, ensure your bank's portal accepts IFSC UBIN0559849 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Union Bank of India SERVICE BRANCH JALANDHAR CIVIL LINES JALANDHAR (IFSC UBIN0559849)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0559849 in your mobile or internet banking app, and the money is credited to the SERVICE BRANCH JALANDHAR CIVIL LINES JALANDHAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Service Branch Jalandhar Civil Lines Jalandhar

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 UBIN0559849:

• 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 SERVICE BRANCH JALANDHAR CIVIL LINES JALANDHAR is still linked to IFSC UBIN0559849.

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 UBIN0559849

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 – SERVICE BRANCH JALANDHAR CIVIL LINES JALANDHAR is still mapped to IFSC UBIN0559849. 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 UBIN0559849 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Service Branch Jalandhar Civil Lines Jalandhar branch is mapped to IFSC UBIN0559849 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 UBIN0559849.

Banking services available

The Service Branch Jalandhar Civil Lines Jalandhar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2222505.

• 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 UBIN0559849

MICR & cheque-truncation details

Cheques drawn on the Service Branch Jalandhar Civil Lines Jalandhar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0559849 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 Service Branch Jalandhar Civil Lines Jalandhar 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 UBIN0559849 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 – SERVICE BRANCH JALANDHAR CIVIL LINES JALANDHAR:

• The IFSC is exactly UBIN0559849 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 SERVICE BRANCH JALANDHAR CIVIL LINES JALANDHAR 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 Service Branch Jalandhar Civil Lines Jalandhar branch

The branch is located at 12 PARAM MARKET OPP CIRCUIT HOUSE CIVIL LINES JALANDHAR, 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 Service Branch Jalandhar Civil Lines Jalandhar branch” — the verified location pin for IFSC UBIN0559849 should appear at the top of the results.
2. Confirm the branch is open by calling 2222505 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 UBIN0559849 and your account number.

Verifying IFSC UBIN0559849 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 UBIN0559849 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2222505.
• 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 Service Branch Jalandhar Civil Lines Jalandhar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0559849, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0559849 belongs to Union Bank of India's SERVICE BRANCH JALANDHAR CIVIL LINES JALANDHAR branch, located at 12 PARAM MARKET OPP CIRCUIT HOUSE CIVIL LINES JALANDHAR 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.