Use this page as a one-stop reference for everything related to Union Bank of India's ULP KARIMNAGAR branch in KARIMNAGAR, TELANGANA. The branch's IFSC code UBIN0583731 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.
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 – ULP KARIMNAGAR is UBIN0583731. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 583731 map to this branch in KARIMNAGAR, TELANGANA.
Branch details at a glance
| Bank Name | Union Bank of India |
|---|---|
| Branch | Ulp Karimnagar |
| IFSC Code | UBIN0583731 |
| MICR Code | Refer to cheque leaf |
| Branch Address | TSRTC COMMERCIAL COMPLEX, MUKKARAMPURA, KARIMNAGAR |
| City | Karimnagar |
| District | Karimnagar |
| State | Telangana |
About Union Bank of India
Union Bank of India operates a wide network of branches across India, including the Ulp Karimnagar branch in Karimnagar. 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, UBIN0583731.
About the Ulp Karimnagar branch
The Ulp Karimnagar branch of Union Bank of India is situated at TSRTC COMMERCIAL COMPLEX, MUKKARAMPURA, KARIMNAGAR. 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 UBIN0583731 is used.
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 ULP KARIMNAGAR branch came to be assigned the code UBIN0583731.
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 UBIN0583731, money simply cannot be routed to the ULP KARIMNAGAR branch electronically.
How to transfer money using IFSC UBIN0583731
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 UBIN0583731 across all three.
How to use IFSC UBIN0583731 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's ULP KARIMNAGAR 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 UBIN0583731.
- Confirm the bank name auto-populates as Union Bank of India and the branch as ULP KARIMNAGAR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UBIN0583731
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 – ULP KARIMNAGAR, ensure your bank's portal accepts IFSC UBIN0583731 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 – ULP KARIMNAGAR, use IMPS. With IFSC UBIN0583731 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 UBIN0583731 for Union Bank of India – ULP KARIMNAGAR, 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 – UBIN0583731 | Yes – UBIN0583731 | Yes – UBIN0583731 |
For most retail customers crediting the Ulp Karimnagar 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 ULP KARIMNAGAR branch, the IFSC UBIN0583731 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.
Account types you can open at the Ulp Karimnagar branch
Once you have an account at Union Bank of India – ULP KARIMNAGAR, the IFSC UBIN0583731 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Products and services
Customers walking into the Ulp Karimnagar branch can access most of Union Bank of India's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC UBIN0583731
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 UBIN0583731 and the account number together uniquely identify the Ulp Karimnagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC UBIN0583731
Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the ULP KARIMNAGAR 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 UBIN0583731 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 UBIN0583731
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 – ULP KARIMNAGAR, 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:
UBIN0583731. - 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 Ulp Karimnagar branch sits at TSRTC COMMERCIAL COMPLEX, MUKKARAMPURA, KARIMNAGAR. If you are travelling from outside Karimnagar, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 UBIN0583731 and your account number.
Verifying IFSC UBIN0583731 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 UBIN0583731 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on the branch contact number.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Ulp Karimnagar 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 UBIN0583731 continue to work without interruption.
Branch address & contact
Union Bank of IndiaUlp Karimnagar Branch
TSRTC COMMERCIAL COMPLEX, MUKKARAMPURA, KARIMNAGAR
Karimnagar, Telangana
Phone: the branch contact number
IFSC: UBIN0583731
Frequently asked questions
How do I add Union Bank of India Ulp Karimnagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UBIN0583731, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Union Bank of India Ulp Karimnagar branch?
You can reach the branch at the branch contact number during regular banking hours.
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 Ulp Karimnagar branch but serve different purposes.
Is IFSC UBIN0583731 the same for all accounts at Ulp Karimnagar branch?
Yes. The IFSC UBIN0583731 is shared by every account held at Union Bank of India's Ulp Karimnagar branch. Only the account number changes from customer to customer.
Does Union Bank of India Ulp Karimnagar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Can I use IFSC UBIN0583731 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UBIN0583731 to send funds instantly.
Is IFSC UBIN0583731 valid for NEFT and RTGS?
Yes. IFSC UBIN0583731 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code UBIN0583731 belongs to Union Bank of India's ULP KARIMNAGAR branch, located at TSRTC COMMERCIAL COMPLEX, MUKKARAMPURA, KARIMNAGAR in KARIMNAGAR, TELANGANA. 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.
