Use this page as a one-stop reference for everything related to Union Bank of India's KATRA branch in KATRA, BIHAR. The branch's IFSC code UBIN0535770 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, UBIN0535770 is the IFSC of Union Bank of India's KATRA branch. The format is fixed: UBIN = bank code, 0 = reserved, 535770 = branch identifier.
Branch details at a glance
| Bank Name | Union Bank of India |
|---|---|
| Branch | Katra |
| IFSC Code | UBIN0535770 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT POST KATRA DIST. MUZAFFARPUR BIHAR PIN 843321 |
| City | Katra |
| District | Muzaffarpur |
| State | Bihar |
| Phone | 2821434 |
Bank profile
Union Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Katra branch — IFSC UBIN0535770 — extends the bank's services to customers in and around Katra, Bihar.
About this branch
The branch is located at AT POST KATRA DIST. MUZAFFARPUR BIHAR PIN 843321. It serves the Katra region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Union Bank of India. The IFSC UBIN0535770 is used to identify this branch on the RBI payments network.
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 KATRA branch came to be assigned the code UBIN0535770.
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 UBIN0535770, money simply cannot be routed to the KATRA branch electronically.
How to transfer money using IFSC UBIN0535770
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 UBIN0535770 across all three.
NEFT to Union Bank of India, KATRA using IFSC UBIN0535770
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 UBIN0535770, and confirm that the system picks up Union Bank of India – KATRA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KATRA
If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's KATRA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0535770 while initiating the transfer and the credit will appear within minutes.
IMPS to Union Bank of India KATRA (IFSC UBIN0535770)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0535770 in your mobile or internet banking app, and the money is credited to the KATRA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UBIN0535770 for Union Bank of India – KATRA, 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 – UBIN0535770 | Yes – UBIN0535770 | Yes – UBIN0535770 |
For most retail customers crediting the Katra 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 UBIN0535770
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 – KATRA is still mapped to IFSC UBIN0535770. 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 UBIN0535770 and the beneficiary's account number to complete the transfer.
Account types you can open at the Katra branch
Once you have an account at Union Bank of India – KATRA, the IFSC UBIN0535770 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.
Banking services available
The Katra branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2821434.
- 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 UBIN0535770
MICR & cheque-truncation details
Cheques drawn on the Katra branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0535770 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 Katra 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 UBIN0535770 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 UBIN0535770
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 – KATRA, 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:
UBIN0535770. - 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.
How to reach the Katra branch
The branch is located at AT POST KATRA DIST. MUZAFFARPUR BIHAR PIN 843321, which puts it inside Katra, the broader Muzaffarpur district, and the state of Bihar. To plan your visit:
- Open Google Maps on your phone and search for “Union Bank of India Katra branch” — the verified location pin for IFSC UBIN0535770 should appear at the top of the results.
- Confirm the branch is open by calling 2821434 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 UBIN0535770 and your account number.
Verifying IFSC UBIN0535770 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 UBIN0535770 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2821434.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Katra 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 UBIN0535770 continue to work without interruption.
Branch address & contact
Union Bank of IndiaKatra Branch
AT POST KATRA DIST. MUZAFFARPUR BIHAR PIN 843321
Katra, Bihar
Phone: 2821434
IFSC: UBIN0535770
Frequently asked questions
Is IFSC UBIN0535770 valid for NEFT and RTGS?
Yes. IFSC UBIN0535770 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Union Bank of India Katra branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2821434 to confirm.
How do I add Union Bank of India Katra as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UBIN0535770, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UBIN0535770 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Union Bank of India – Katra reflect within 30 minutes.
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 Katra branch but serve different purposes.
What is the IFSC code of Union Bank of India Katra branch?
The IFSC code of Union Bank of India, Katra branch is UBIN0535770. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Union Bank of India Katra branch?
You can reach the branch at 2821434 during regular banking hours.
Is IFSC UBIN0535770 the same for all accounts at Katra branch?
Yes. The IFSC UBIN0535770 is shared by every account held at Union Bank of India's Katra branch. Only the account number changes from customer to customer.
Final notes
To recap: UBIN0535770 is the IFSC code of Union Bank of India, KATRA branch, in KATRA, BIHAR. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
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