This page lists the IFSC code, branch address, contact number and fund-transfer information for Union Bank of India, JUNAGADH branch in JUNAGADH. The 11-digit IFSC UBIN0531391 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 JUNAGADH 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.
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 – JUNAGADH is UBIN0531391. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 531391 map to this branch in JUNAGADH, GUJARAT.
About Union Bank of India
Union Bank of India operates a wide network of branches across India, including the Junagadh branch in Junagadh. 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, UBIN0531391.
Junagadh branch overview
Located at NEAR AZAD CHOWK POST OFFICE, ROADJUNAGADH, GUJARAT, PIN - 362 001., the Junagadh branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UBIN0531391 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Union Bank of India |
|---|---|
| Branch | Junagadh |
| IFSC Code | UBIN0531391 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NEAR AZAD CHOWK POST OFFICE, ROADJUNAGADH, GUJARAT, PIN - 362 001. |
| City | Junagadh |
| District | Junagadh |
| State | Gujarat |
| Phone | 2621096 |
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 JUNAGADH of Union Bank of India — its own 11-character IFSC. The code UBIN0531391 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 UBIN0531391 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Junagadh branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0531391 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 UBIN0531391
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 UBIN0531391 across all three.
How to use IFSC UBIN0531391 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's JUNAGADH 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC UBIN0531391.
- Confirm the bank name auto-populates as Union Bank of India and the branch as JUNAGADH.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UBIN0531391
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 – JUNAGADH, ensure your bank's portal accepts IFSC UBIN0531391 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Union Bank of India – JUNAGADH, use IMPS. With IFSC UBIN0531391 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 UBIN0531391 for Union Bank of India – JUNAGADH, 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 – UBIN0531391 | Yes – UBIN0531391 | Yes – UBIN0531391 |
For most retail customers crediting the Junagadh 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 UBIN0531391
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 – JUNAGADH is still mapped to IFSC UBIN0531391. 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 UBIN0531391 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Junagadh branch is mapped to IFSC UBIN0531391 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 UBIN0531391.
Banking services available
The Junagadh branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2621096.
- 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 UBIN0531391
Online banking and IFSC UBIN0531391
Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the JUNAGADH 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 UBIN0531391 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 Junagadh branch sits at NEAR AZAD CHOWK POST OFFICE, ROADJUNAGADH, GUJARAT, PIN - 362 001.. If you are travelling from outside Junagadh, search for the branch on a maps application using the bank name and locality, or call 2621096 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 UBIN0531391 and your account number.
Common mistakes to avoid when using IFSC UBIN0531391
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Union Bank of India – JUNAGADH, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
UBIN0531391. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
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 Junagadh branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0531391, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UBIN0531391 for Union Bank of India – JUNAGADH, 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.
Branch address & contact
Union Bank of IndiaJunagadh Branch
NEAR AZAD CHOWK POST OFFICE, ROADJUNAGADH, GUJARAT, PIN - 362 001.
Junagadh, Gujarat
Phone: 2621096
IFSC: UBIN0531391
Frequently asked questions
What is the IFSC code of Union Bank of India Junagadh branch?
The IFSC code of Union Bank of India, Junagadh branch is UBIN0531391. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UBIN0531391 valid for NEFT and RTGS?
Yes. IFSC UBIN0531391 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Union Bank of India Junagadh as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UBIN0531391, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Union Bank of India Junagadh branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2621096 to confirm.
Where is Union Bank of India Junagadh branch located?
Union Bank of India's Junagadh branch is located at NEAR AZAD CHOWK POST OFFICE, ROADJUNAGADH, GUJARAT, PIN - 362 001., Junagadh, Gujarat.
Is IFSC UBIN0531391 the same for all accounts at Junagadh branch?
Yes. The IFSC UBIN0531391 is shared by every account held at Union Bank of India's Junagadh branch. Only the account number changes from customer to customer.
What is the phone number of Union Bank of India Junagadh branch?
You can reach the branch at 2621096 during regular banking hours.
How quickly will an NEFT transfer using UBIN0531391 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Union Bank of India – Junagadh reflect within 30 minutes.
Final notes
To recap: UBIN0531391 is the IFSC code of Union Bank of India, JUNAGADH branch, in JUNAGADH, GUJARAT. 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.
