Use this page as a one-stop reference for everything related to Union Bank of India's APGB KALLAKURRU branch in KALLAKURRU, ANDHRA PRADESH. The branch's IFSC code UBIN0CG7298 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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, UBIN0CG7298 is the IFSC of Union Bank of India's APGB KALLAKURRU branch. The format is fixed: UBIN = bank code, 0 = reserved, CG7298 = branch identifier.
Branch details at a glance
| Bank Name | Union Bank of India |
|---|---|
| Branch | Apgb Kallakurru |
| IFSC Code | UBIN0CG7298 |
| MICR Code | Refer to cheque leaf |
| Branch Address | D.NO 3 46/1,KALLAKURU POST,KALLA MANDAL,WEST GODAVARI DISTRICT |
| City | Kallakurru |
| District | West Godavari |
| State | Andhra Pradesh |
| STD Code | 0 |
| Phone | 9121107066 |
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 Apgb Kallakurru branch in Kallakurru, Andhra Pradesh is part of this network and uses the IFSC code UBIN0CG7298 for all electronic settlement.
About the Apgb Kallakurru branch
The Apgb Kallakurru branch of Union Bank of India is situated at D.NO 3 46/1,KALLAKURU POST,KALLA MANDAL,WEST GODAVARI DISTRICT. 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 UBIN0CG7298 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 APGB KALLAKURRU of Union Bank of India — its own 11-character IFSC. The code UBIN0CG7298 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 UBIN0CG7298 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 UBIN0CG7298
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 UBIN0CG7298 across all three.
NEFT to Union Bank of India, APGB KALLAKURRU using IFSC UBIN0CG7298
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 UBIN0CG7298, and confirm that the system picks up Union Bank of India – APGB KALLAKURRU. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to APGB KALLAKURRU
If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's APGB KALLAKURRU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0CG7298 while initiating the transfer and the credit will appear within minutes.
IMPS to Union Bank of India APGB KALLAKURRU (IFSC UBIN0CG7298)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0CG7298 in your mobile or internet banking app, and the money is credited to the APGB KALLAKURRU branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UBIN0CG7298 for Union Bank of India – APGB KALLAKURRU, 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 – UBIN0CG7298 | Yes – UBIN0CG7298 | Yes – UBIN0CG7298 |
For most retail customers crediting the Apgb Kallakurru 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 UBIN0CG7298
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 – APGB KALLAKURRU is still mapped to IFSC UBIN0CG7298. 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 UBIN0CG7298 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Apgb Kallakurru branch is mapped to IFSC UBIN0CG7298 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 UBIN0CG7298.
Banking services available
The Apgb Kallakurru branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9121107066.
- 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 UBIN0CG7298
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 UBIN0CG7298 and the account number together uniquely identify the Apgb Kallakurru branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC UBIN0CG7298
Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the APGB KALLAKURRU 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 UBIN0CG7298 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.
Common mistakes to avoid when using IFSC UBIN0CG7298
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 – APGB KALLAKURRU, 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:
UBIN0CG7298. - 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 Apgb Kallakurru branch sits at D.NO 3 46/1,KALLAKURU POST,KALLA MANDAL,WEST GODAVARI DISTRICT. If you are travelling from outside Kallakurru, search for the branch on a maps application using the bank name and locality, or call 9121107066 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 UBIN0CG7298 and your account number.
Verifying IFSC UBIN0CG7298 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 UBIN0CG7298 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 9121107066.
- 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 Apgb Kallakurru branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0CG7298, however, work 24x7.
Branch address & contact
Union Bank of IndiaApgb Kallakurru Branch
D.NO 3 46/1,KALLAKURU POST,KALLA MANDAL,WEST GODAVARI DISTRICT
Kallakurru, Andhra Pradesh
Phone: 9121107066
IFSC: UBIN0CG7298
Frequently asked questions
Is IFSC UBIN0CG7298 the same for all accounts at Apgb Kallakurru branch?
Yes. The IFSC UBIN0CG7298 is shared by every account held at Union Bank of India's Apgb Kallakurru branch. Only the account number changes from customer to customer.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Apgb Kallakurru branch but serve different purposes.
How do I add Union Bank of India Apgb Kallakurru as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UBIN0CG7298, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Union Bank of India Apgb Kallakurru branch located?
Union Bank of India's Apgb Kallakurru branch is located at D.NO 3 46/1,KALLAKURU POST,KALLA MANDAL,WEST GODAVARI DISTRICT, Kallakurru, Andhra Pradesh.
What is the phone number of Union Bank of India Apgb Kallakurru branch?
You can reach the branch at 9121107066 during regular banking hours.
What is the IFSC code of Union Bank of India Apgb Kallakurru branch?
The IFSC code of Union Bank of India, Apgb Kallakurru branch is UBIN0CG7298. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UBIN0CG7298 valid for NEFT and RTGS?
Yes. IFSC UBIN0CG7298 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using UBIN0CG7298 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Union Bank of India – Apgb Kallakurru reflect within 30 minutes.
Summary
The IFSC code UBIN0CG7298 belongs to Union Bank of India's APGB KALLAKURRU branch, located at D.NO 3 46/1,KALLAKURU POST,KALLA MANDAL,WEST GODAVARI DISTRICT in KALLAKURRU, ANDHRA PRADESH. 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.
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