Below are the complete branch details for Union Bank of India, KHAGAUL branch, located in KHAGAUL, BIHAR. The IFSC assigned by the Reserve Bank of India to this branch is UBIN0568716. 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 UBIN0568716 for Union Bank of India – KHAGAUL — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Union Bank of India's KHAGAUL branch, the IFSC UBIN0568716 breaks down as follows: UBIN identifies the bank, 0 is the reserved character, and 568716 identifies this particular branch.
Branch details at a glance
| Bank Name | Union Bank of India |
|---|---|
| Branch | Khagaul |
| IFSC Code | UBIN0568716 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SAIDPURA KHAGAUL THANE ROAD KHAGAUL BIHAR PINCODE 801105 |
| City | Khagaul |
| District | Patna |
| State | Bihar |
About Union Bank of India
Union Bank of India operates a wide network of branches across India, including the Khagaul branch in Khagaul. 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, UBIN0568716.
About this branch
The branch is located at SAIDPURA KHAGAUL THANE ROAD KHAGAUL BIHAR PINCODE 801105. It serves the Khagaul 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 UBIN0568716 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 KHAGAUL branch came to be assigned the code UBIN0568716.
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 UBIN0568716, money simply cannot be routed to the KHAGAUL branch electronically.
How to transfer money using IFSC UBIN0568716
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 UBIN0568716 across all three.
NEFT to Union Bank of India, KHAGAUL using IFSC UBIN0568716
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 UBIN0568716, and confirm that the system picks up Union Bank of India – KHAGAUL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KHAGAUL
If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's KHAGAUL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0568716 while initiating the transfer and the credit will appear within minutes.
IMPS to Union Bank of India KHAGAUL (IFSC UBIN0568716)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0568716 in your mobile or internet banking app, and the money is credited to the KHAGAUL branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UBIN0568716 for Union Bank of India – KHAGAUL, 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 – UBIN0568716 | Yes – UBIN0568716 | Yes – UBIN0568716 |
For most retail customers crediting the Khagaul 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 UBIN0568716
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 – KHAGAUL is still mapped to IFSC UBIN0568716. 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 UBIN0568716 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Khagaul branch is mapped to IFSC UBIN0568716 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 UBIN0568716.
Products and services
Customers walking into the Khagaul 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 UBIN0568716
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 UBIN0568716 and the account number together uniquely identify the Khagaul branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Khagaul 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 UBIN0568716 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 UBIN0568716
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 – KHAGAUL, 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:
UBIN0568716. - 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 Khagaul branch
The branch is located at SAIDPURA KHAGAUL THANE ROAD KHAGAUL BIHAR PINCODE 801105, which puts it inside Khagaul, the broader Patna district, and the state of Bihar. To plan your visit:
- Open Google Maps on your phone and search for “Union Bank of India Khagaul branch” — the verified location pin for IFSC UBIN0568716 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number 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 UBIN0568716 and your account number.
Verifying IFSC UBIN0568716 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 UBIN0568716 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.
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 Khagaul branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0568716, however, work 24x7.
Branch address & contact
Union Bank of IndiaKhagaul Branch
SAIDPURA KHAGAUL THANE ROAD KHAGAUL BIHAR PINCODE 801105
Khagaul, Bihar
Phone: the branch contact number
IFSC: UBIN0568716
Frequently asked questions
Is IFSC UBIN0568716 the same for all accounts at Khagaul branch?
Yes. The IFSC UBIN0568716 is shared by every account held at Union Bank of India's Khagaul 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 Khagaul branch but serve different purposes.
Is IFSC UBIN0568716 valid for NEFT and RTGS?
Yes. IFSC UBIN0568716 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC UBIN0568716 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UBIN0568716 to send funds instantly.
Does Union Bank of India Khagaul branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
How do I add Union Bank of India Khagaul as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UBIN0568716, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Union Bank of India Khagaul branch?
You can reach the branch at the branch contact number during regular banking hours.
Summary
The IFSC code UBIN0568716 belongs to Union Bank of India's KHAGAUL branch, located at SAIDPURA KHAGAUL THANE ROAD KHAGAUL BIHAR PINCODE 801105 in KHAGAUL, BIHAR. 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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