IFSC Code of Union Bank of India, Padappai Branch, Tamil Nadu

Below are the complete branch details for Union Bank of India, PADAPPAI branch, located in KANCHEEPURAM, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is UBIN0818402. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UBIN0818402 for Union Bank of India – PADAPPAI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – PADAPPAI is UBIN0818402. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 818402 map to this branch in KANCHEEPURAM, TAMIL NADU.

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 Padappai branch in Kancheepuram, Tamil Nadu is part of this network and uses the IFSC code UBIN0818402 for all electronic settlement.

Branch details at a glance

Padappai branch overview

Located at S.NO 540/2D3,NAVASHAKTHI NAGAR,PADAPPAI VILLAGE& PANCHAYAT VILLAGE, the Padappai branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UBIN0818402 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 PADAPPAI branch came to be assigned the code UBIN0818402.

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 UBIN0818402, money simply cannot be routed to the PADAPPAI branch electronically.

Products and account variants supported

Every account opened at the Padappai branch is mapped to IFSC UBIN0818402 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 UBIN0818402.

Banking services available

The Padappai branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4427174163.

• 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 UBIN0818402

How to transfer money using IFSC UBIN0818402

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 UBIN0818402 across all three.

How to use IFSC UBIN0818402 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's PADAPPAI 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UBIN0818402.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as PADAPPAI.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to PADAPPAI

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's PADAPPAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0818402 while initiating the transfer and the credit will appear within minutes.

IMPS to Union Bank of India PADAPPAI (IFSC UBIN0818402)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0818402 in your mobile or internet banking app, and the money is credited to the PADAPPAI branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UBIN0818402 for Union Bank of India – PADAPPAI, 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 Padappai 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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Union Bank of India's PADAPPAI branch, the IFSC UBIN0818402 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Online banking and IFSC UBIN0818402

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the PADAPPAI 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 UBIN0818402 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 UBIN0818402 and the account number together uniquely identify the Padappai 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 – PADAPPAI:

• The IFSC is exactly UBIN0818402 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 PADAPPAI 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 Padappai branch

The branch is located at S.NO 540/2D3,NAVASHAKTHI NAGAR,PADAPPAI VILLAGE& PANCHAYAT VILLAGE, which puts it inside Kancheepuram, the broader Kancheepuram district, and the state of Tamil Nadu. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India Padappai branch” — the verified location pin for IFSC UBIN0818402 should appear at the top of the results.
2. Confirm the branch is open by calling 4427174163 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 UBIN0818402 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0818402 for Union Bank of India – PADAPPAI, 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 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 Padappai branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0818402, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0818402 belongs to Union Bank of India's PADAPPAI branch, located at S.NO 540/2D3,NAVASHAKTHI NAGAR,PADAPPAI VILLAGE& PANCHAYAT VILLAGE in KANCHEEPURAM, TAMIL NADU. 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.