If you are searching for the IFSC code of Union Bank of India, KHUTHAN branch in KHUTHAN, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is UBIN0536938. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the KHUTHAN branch, and detailed step-by-step guides for using the IFSC UBIN0536938 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 – KHUTHAN is UBIN0536938. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 536938 map to this branch in KHUTHAN, UTTAR PRADESH.
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 Khuthan branch in Khuthan, Uttar Pradesh is part of this network and uses the IFSC code UBIN0536938 for all electronic settlement.
About the Khuthan branch
The Khuthan branch of Union Bank of India is situated at POST KHUTHAN TEHSIL SHAHGANJ DIST. JAUNPUR UTTAR PRADESH PIN 223104.. 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 UBIN0536938 is used.
Branch details at a glance
| Bank Name | Union Bank of India |
|---|---|
| Branch | Khuthan |
| IFSC Code | UBIN0536938 |
| MICR Code | Refer to cheque leaf |
| Branch Address | POST KHUTHAN TEHSIL SHAHGANJ DIST. JAUNPUR UTTAR PRADESH PIN 223104. |
| City | Khuthan |
| District | Jaunpur |
| State | Uttar Pradesh |
| Phone | 225617 |
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 KHUTHAN branch came to be assigned the code UBIN0536938.
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 UBIN0536938, money simply cannot be routed to the KHUTHAN branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Khuthan branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0536938 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 UBIN0536938
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 UBIN0536938 across all three.
NEFT to Union Bank of India, KHUTHAN using IFSC UBIN0536938
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 UBIN0536938, and confirm that the system picks up Union Bank of India – KHUTHAN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UBIN0536938
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 – KHUTHAN, ensure your bank's portal accepts IFSC UBIN0536938 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Union Bank of India KHUTHAN (IFSC UBIN0536938)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0536938 in your mobile or internet banking app, and the money is credited to the KHUTHAN branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UBIN0536938 for Union Bank of India – KHUTHAN, 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 – UBIN0536938 | Yes – UBIN0536938 | Yes – UBIN0536938 |
For most retail customers crediting the Khuthan 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 UBIN0536938
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 – KHUTHAN is still mapped to IFSC UBIN0536938. 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 UBIN0536938 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Khuthan branch is mapped to IFSC UBIN0536938 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 UBIN0536938.
Banking services available
The Khuthan branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 225617.
- 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 UBIN0536938
Digital banking channels
Most day-to-day work that customers used to do at the Khuthan 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 UBIN0536938 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 Khuthan branch
The branch is located at POST KHUTHAN TEHSIL SHAHGANJ DIST. JAUNPUR UTTAR PRADESH PIN 223104., which puts it inside Khuthan, the broader Jaunpur district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Union Bank of India Khuthan branch” — the verified location pin for IFSC UBIN0536938 should appear at the top of the results.
- Confirm the branch is open by calling 225617 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 UBIN0536938 and your account number.
Common mistakes to avoid when using IFSC UBIN0536938
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 – KHUTHAN, 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:
UBIN0536938. - 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.
Working hours
Branch counters at Khuthan 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 UBIN0536938 continue to work without interruption.
Verifying IFSC UBIN0536938 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 UBIN0536938 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 225617.
- Visiting the bank's official branch locator page.
Branch address & contact
Union Bank of IndiaKhuthan Branch
POST KHUTHAN TEHSIL SHAHGANJ DIST. JAUNPUR UTTAR PRADESH PIN 223104.
Khuthan, Uttar Pradesh
Phone: 225617
IFSC: UBIN0536938
Frequently asked questions
What is the IFSC code of Union Bank of India Khuthan branch?
The IFSC code of Union Bank of India, Khuthan branch is UBIN0536938. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Khuthan branch but serve different purposes.
How quickly will an NEFT transfer using UBIN0536938 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Union Bank of India – Khuthan reflect within 30 minutes.
What is the phone number of Union Bank of India Khuthan branch?
You can reach the branch at 225617 during regular banking hours.
Is IFSC UBIN0536938 valid for NEFT and RTGS?
Yes. IFSC UBIN0536938 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Union Bank of India Khuthan as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UBIN0536938, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UBIN0536938 the same for all accounts at Khuthan branch?
Yes. The IFSC UBIN0536938 is shared by every account held at Union Bank of India's Khuthan branch. Only the account number changes from customer to customer.
Does Union Bank of India Khuthan branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 225617 to confirm.
Final notes
To recap: UBIN0536938 is the IFSC code of Union Bank of India, KHUTHAN branch, in KHUTHAN, UTTAR PRADESH. 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.
