Use this page as a one-stop reference for everything related to Union Bank of India's KISHANGANJ branch in KISHANGANJ, BIHAR. The branch's IFSC code UBIN0916536 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, UBIN0916536 is the IFSC of Union Bank of India's KISHANGANJ branch. The format is fixed: UBIN = bank code, 0 = reserved, 916536 = branch identifier.
Branch details at a glance
| Bank Name | Union Bank of India |
|---|---|
| Branch | Kishanganj |
| IFSC Code | UBIN0916536 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR ROSE MARKET NEAR PASHCHIMPALLY CROSSING KISHANGANJ BIHAR |
| City | Kishanganj |
| District | Kishanganj |
| State | Bihar |
| STD Code | 6456 |
| Phone | 233123 |
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 Kishanganj branch in Kishanganj, Bihar is part of this network and uses the IFSC code UBIN0916536 for all electronic settlement.
About this branch
The branch is located at GROUND FLOOR ROSE MARKET NEAR PASHCHIMPALLY CROSSING KISHANGANJ BIHAR. It serves the Kishanganj 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 UBIN0916536 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 KISHANGANJ branch came to be assigned the code UBIN0916536.
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 UBIN0916536, money simply cannot be routed to the KISHANGANJ branch electronically.
How to transfer money using IFSC UBIN0916536
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 UBIN0916536 across all three.
How to use IFSC UBIN0916536 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's KISHANGANJ 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC UBIN0916536.
- Confirm the bank name auto-populates as Union Bank of India and the branch as KISHANGANJ.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UBIN0916536
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 – KISHANGANJ, ensure your bank's portal accepts IFSC UBIN0916536 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Union Bank of India – KISHANGANJ, use IMPS. With IFSC UBIN0916536 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 UBIN0916536 for Union Bank of India – KISHANGANJ, 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 – UBIN0916536 | Yes – UBIN0916536 | Yes – UBIN0916536 |
For most retail customers crediting the Kishanganj 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 KISHANGANJ branch, the IFSC UBIN0916536 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.
Account types you can open at the Kishanganj branch
Once you have an account at Union Bank of India – KISHANGANJ, the IFSC UBIN0916536 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 Kishanganj 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 UBIN0916536
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 UBIN0916536 and the account number together uniquely identify the Kishanganj 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 Kishanganj 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 UBIN0916536 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 UBIN0916536
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 – KISHANGANJ, 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:
UBIN0916536. - 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 Kishanganj branch
The branch is located at GROUND FLOOR ROSE MARKET NEAR PASHCHIMPALLY CROSSING KISHANGANJ BIHAR, which puts it inside Kishanganj, the broader Kishanganj district, and the state of Bihar. To plan your visit:
- Open Google Maps on your phone and search for “Union Bank of India Kishanganj branch” — the verified location pin for IFSC UBIN0916536 should appear at the top of the results.
- Confirm the branch is open by calling 6456-233123 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 UBIN0916536 and your account number.
Verifying IFSC UBIN0916536 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 UBIN0916536 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 6456-233123.
- 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 Kishanganj branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0916536, however, work 24x7.
Branch address & contact
Union Bank of IndiaKishanganj Branch
GROUND FLOOR ROSE MARKET NEAR PASHCHIMPALLY CROSSING KISHANGANJ BIHAR
Kishanganj, Bihar
Phone: 6456-233123
IFSC: UBIN0916536
Frequently asked questions
What is the IFSC code of Union Bank of India Kishanganj branch?
The IFSC code of Union Bank of India, Kishanganj branch is UBIN0916536. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UBIN0916536 valid for NEFT and RTGS?
Yes. IFSC UBIN0916536 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Union Bank of India Kishanganj branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 6456-233123 to confirm.
What is the phone number of Union Bank of India Kishanganj branch?
You can reach the branch at 6456-233123 during regular banking hours.
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 Kishanganj branch but serve different purposes.
How do I add Union Bank of India Kishanganj as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UBIN0916536, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UBIN0916536 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Union Bank of India – Kishanganj reflect within 30 minutes.
Is IFSC UBIN0916536 the same for all accounts at Kishanganj branch?
Yes. The IFSC UBIN0916536 is shared by every account held at Union Bank of India's Kishanganj branch. Only the account number changes from customer to customer.
Summary
The IFSC code UBIN0916536 belongs to Union Bank of India's KISHANGANJ branch, located at GROUND FLOOR ROSE MARKET NEAR PASHCHIMPALLY CROSSING KISHANGANJ BIHAR in KISHANGANJ, 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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