IFSC Code of Union Bank of India, Kirnahar Branch, West Bengal

If you are searching for the IFSC code of Union Bank of India, KIRNAHAR branch in KIRNAHAR, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is UBIN0914355. 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 KIRNAHAR branch, and detailed step-by-step guides for using the IFSC UBIN0914355 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.

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, UBIN0914355 is the IFSC of Union Bank of India's KIRNAHAR branch. The format is fixed: UBIN = bank code, 0 = reserved, 914355 = branch identifier.

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 Kirnahar branch in Kirnahar, West Bengal is part of this network and uses the IFSC code UBIN0914355 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at KIRNAHAR BAZAR EAST,SURIKATWA MAIN ROAD,NEAR 1 NO GP OFFICE,ATPO KIRNAHAR,DIST BIRBHUM785640. It serves the Kirnahar 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 UBIN0914355 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 KIRNAHAR branch came to be assigned the code UBIN0914355.

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 UBIN0914355, money simply cannot be routed to the KIRNAHAR branch electronically.

Account types you can open at the Kirnahar branch

Once you have an account at Union Bank of India – KIRNAHAR, the IFSC UBIN0914355 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 Kirnahar 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 UBIN0914355

How to transfer money using IFSC UBIN0914355

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 UBIN0914355 across all three.

How to use IFSC UBIN0914355 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's KIRNAHAR 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UBIN0914355.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as KIRNAHAR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to KIRNAHAR

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's KIRNAHAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0914355 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Union Bank of India – KIRNAHAR, use IMPS. With IFSC UBIN0914355 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 UBIN0914355 for Union Bank of India – KIRNAHAR, 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.

For most retail customers crediting the Kirnahar 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 KIRNAHAR branch, the IFSC UBIN0914355 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.

Online banking and IFSC UBIN0914355

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the KIRNAHAR 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 UBIN0914355 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.

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 UBIN0914355 and the account number together uniquely identify the Kirnahar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – KIRNAHAR:

• The IFSC is exactly UBIN0914355 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 KIRNAHAR 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.

How to reach the Kirnahar branch

The branch is located at KIRNAHAR BAZAR EAST,SURIKATWA MAIN ROAD,NEAR 1 NO GP OFFICE,ATPO KIRNAHAR,DIST BIRBHUM785640, which puts it inside Kirnahar, the broader Birbhum district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India Kirnahar branch” — the verified location pin for IFSC UBIN0914355 should appear at the top of the results.
2. Confirm the branch is open by calling 3463-267160 before stepping out, especially around public holidays.
3. 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 UBIN0914355 and your account number.

Verifying IFSC UBIN0914355 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 UBIN0914355 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 3463-267160.
• 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 Kirnahar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0914355, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: UBIN0914355 is the IFSC code of Union Bank of India, KIRNAHAR branch, in KIRNAHAR, WEST BENGAL. 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.