This page lists the IFSC code, branch address, contact number and fund-transfer information for Union Bank of India, KARWAR branch in KARWAR. The 11-digit IFSC UBIN0900532 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 KARWAR 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 – KARWAR is UBIN0900532. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 900532 map to this branch in KARWAR, KARNATAKA.
About Union Bank of India
Union Bank of India operates a wide network of branches across India, including the Karwar branch in Karwar. 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, UBIN0900532.
About the Karwar branch
The Karwar branch of Union Bank of India is situated at RADHA GOVIND COMPLEX, KAIKINI ROAD, P.B.NO.25, KARWAR 581301. 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 UBIN0900532 is used.
Branch details at a glance
| Bank Name | Union Bank of India |
|---|---|
| Branch | Karwar |
| IFSC Code | UBIN0900532 |
| MICR Code | Refer to cheque leaf |
| Branch Address | RADHA GOVIND COMPLEX, KAIKINI ROAD, P.B.NO.25, KARWAR 581301 |
| City | Karwar |
| District | Uttar Kannad |
| State | Karnataka |
| STD Code | 8382 |
| Phone | 221695 |
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 KARWAR branch came to be assigned the code UBIN0900532.
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 UBIN0900532, money simply cannot be routed to the KARWAR branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Karwar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0900532 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 UBIN0900532
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 UBIN0900532 across all three.
NEFT to Union Bank of India, KARWAR using IFSC UBIN0900532
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 UBIN0900532, and confirm that the system picks up Union Bank of India – KARWAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UBIN0900532
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 – KARWAR, ensure your bank's portal accepts IFSC UBIN0900532 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Union Bank of India KARWAR (IFSC UBIN0900532)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0900532 in your mobile or internet banking app, and the money is credited to the KARWAR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UBIN0900532 for Union Bank of India – KARWAR, 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 – UBIN0900532 | Yes – UBIN0900532 | Yes – UBIN0900532 |
For most retail customers crediting the Karwar 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 KARWAR branch, the IFSC UBIN0900532 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.
Products and account variants supported
Every account opened at the Karwar branch is mapped to IFSC UBIN0900532 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 UBIN0900532.
Banking services available
The Karwar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8382-221695.
- 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 UBIN0900532
Digital banking channels
Most day-to-day work that customers used to do at the Karwar 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 UBIN0900532 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.
How to reach the Karwar branch
The branch is located at RADHA GOVIND COMPLEX, KAIKINI ROAD, P.B.NO.25, KARWAR 581301, which puts it inside Karwar, the broader Uttar Kannad district, and the state of Karnataka. To plan your visit:
- Open Google Maps on your phone and search for “Union Bank of India Karwar branch” — the verified location pin for IFSC UBIN0900532 should appear at the top of the results.
- Confirm the branch is open by calling 8382-221695 before stepping out, especially around public holidays.
- 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 UBIN0900532 and your account number.
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 – KARWAR:
- The IFSC is exactly UBIN0900532 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 KARWAR 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.
Working hours
Branch counters at Karwar 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 UBIN0900532 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UBIN0900532 for Union Bank of India – KARWAR, 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 IndiaKarwar Branch
RADHA GOVIND COMPLEX, KAIKINI ROAD, P.B.NO.25, KARWAR 581301
Karwar, Karnataka
Phone: 8382-221695
IFSC: UBIN0900532
Frequently asked questions
Can I use IFSC UBIN0900532 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UBIN0900532 to send funds instantly.
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 Karwar branch but serve different purposes.
Does Union Bank of India Karwar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 8382-221695 to confirm.
Is IFSC UBIN0900532 the same for all accounts at Karwar branch?
Yes. The IFSC UBIN0900532 is shared by every account held at Union Bank of India's Karwar branch. Only the account number changes from customer to customer.
Where is Union Bank of India Karwar branch located?
Union Bank of India's Karwar branch is located at RADHA GOVIND COMPLEX, KAIKINI ROAD, P.B.NO.25, KARWAR 581301, Karwar, Karnataka.
What is the phone number of Union Bank of India Karwar branch?
You can reach the branch at 8382-221695 during regular banking hours.
How do I add Union Bank of India Karwar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UBIN0900532, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code UBIN0900532 belongs to Union Bank of India's KARWAR branch, located at RADHA GOVIND COMPLEX, KAIKINI ROAD, P.B.NO.25, KARWAR 581301 in KARWAR, KARNATAKA. 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.
