If you are searching for the IFSC code of Union Bank of India, JUNAGARH branch in JUNAGARH, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is UBIN0826278. 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 JUNAGARH branch, and detailed step-by-step guides for using the IFSC UBIN0826278 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.
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 JUNAGARH branch, the IFSC UBIN0826278 breaks down as follows: UBIN identifies the bank, 0 is the reserved character, and 826278 identifies this particular branch.
Branch details at a glance
| Bank Name | Union Bank of India |
|---|---|
| Branch | Junagarh |
| IFSC Code | UBIN0826278 |
| MICR Code | Refer to cheque leaf |
| Branch Address | JAYSHRI TALKIES ROAD,KOTECHA COMM CENTRE,SARDER PATEL BHAVAN,JUNAGARH |
| City | Junagarh |
| District | Junagadh |
| State | Gujarat |
| STD Code | 79 |
| Phone | 2852627800 |
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 Junagarh branch in Junagarh, Gujarat is part of this network and uses the IFSC code UBIN0826278 for all electronic settlement.
Junagarh branch overview
Located at JAYSHRI TALKIES ROAD,KOTECHA COMM CENTRE,SARDER PATEL BHAVAN,JUNAGARH, the Junagarh branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UBIN0826278 is required for all interbank electronic transfers routed through this branch.
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 JUNAGARH of Union Bank of India — its own 11-character IFSC. The code UBIN0826278 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 UBIN0826278 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 UBIN0826278
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 UBIN0826278 across all three.
How to use IFSC UBIN0826278 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's JUNAGARH 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 UBIN0826278.
- Confirm the bank name auto-populates as Union Bank of India and the branch as JUNAGARH.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UBIN0826278
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 – JUNAGARH, ensure your bank's portal accepts IFSC UBIN0826278 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Union Bank of India JUNAGARH (IFSC UBIN0826278)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0826278 in your mobile or internet banking app, and the money is credited to the JUNAGARH branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UBIN0826278 for Union Bank of India – JUNAGARH, 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 – UBIN0826278 | Yes – UBIN0826278 | Yes – UBIN0826278 |
For most retail customers crediting the Junagarh 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 UBIN0826278
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 – JUNAGARH is still mapped to IFSC UBIN0826278. 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 UBIN0826278 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Junagarh branch is mapped to IFSC UBIN0826278 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 UBIN0826278.
Banking services available
The Junagarh branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 79-2852627800.
- 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 UBIN0826278
MICR & cheque-truncation details
Cheques drawn on the Junagarh branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0826278 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 Junagarh 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 UBIN0826278 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.
Common mistakes to avoid when using IFSC UBIN0826278
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 – JUNAGARH, 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:
UBIN0826278. - 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.
Reaching the branch
The Junagarh branch sits at JAYSHRI TALKIES ROAD,KOTECHA COMM CENTRE,SARDER PATEL BHAVAN,JUNAGARH. If you are travelling from outside Junagarh, search for the branch on a maps application using the bank name and locality, or call 79-2852627800 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 UBIN0826278 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UBIN0826278 for Union Bank of India – JUNAGARH, 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 Junagarh 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 UBIN0826278 continue to work without interruption.
Branch address & contact
Union Bank of IndiaJunagarh Branch
JAYSHRI TALKIES ROAD,KOTECHA COMM CENTRE,SARDER PATEL BHAVAN,JUNAGARH
Junagarh, Gujarat
Phone: 79-2852627800
IFSC: UBIN0826278
Frequently asked questions
Is IFSC UBIN0826278 valid for NEFT and RTGS?
Yes. IFSC UBIN0826278 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Union Bank of India Junagarh branch?
You can reach the branch at 79-2852627800 during regular banking hours.
Where is Union Bank of India Junagarh branch located?
Union Bank of India's Junagarh branch is located at JAYSHRI TALKIES ROAD,KOTECHA COMM CENTRE,SARDER PATEL BHAVAN,JUNAGARH, Junagarh, Gujarat.
How do I add Union Bank of India Junagarh as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UBIN0826278, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UBIN0826278 the same for all accounts at Junagarh branch?
Yes. The IFSC UBIN0826278 is shared by every account held at Union Bank of India's Junagarh branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using UBIN0826278 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Union Bank of India – Junagarh reflect within 30 minutes.
Summary
The IFSC code UBIN0826278 belongs to Union Bank of India's JUNAGARH branch, located at JAYSHRI TALKIES ROAD,KOTECHA COMM CENTRE,SARDER PATEL BHAVAN,JUNAGARH in JUNAGARH, GUJARAT. 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.
