IFSC Code of Union Bank of India, Kishunpur ,Baikunth Branch, Bihar

If you are searching for the IFSC code of Union Bank of India, KISHUNPUR ,BAIKUNTH branch in KISHANPUR, BIHAR, this page has every detail you need. The verified IFSC code for this branch is UBIN0546429. 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 KISHUNPUR ,BAIKUNTH branch, and detailed step-by-step guides for using the IFSC UBIN0546429 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, UBIN0546429 is the IFSC of Union Bank of India's KISHUNPUR ,BAIKUNTH branch. The format is fixed: UBIN = bank code, 0 = reserved, 546429 = branch identifier.

Branch details at a glance

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 Kishunpur ,Baikunth branch in Kishanpur, Bihar is part of this network and uses the IFSC code UBIN0546429 for all electronic settlement.

Kishunpur ,Baikunth branch overview

Located at AT AND POST KISHANPUR BAIKUNTH,VIA HAYAGHAT BILASPUR, DIST. SAMSTIPUR,, the Kishunpur ,Baikunth branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UBIN0546429 is required for all interbank electronic transfers routed through this branch.

Why every Union Bank of India branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including KISHUNPUR ,BAIKUNTH of Union Bank of India — its own 11-character IFSC. The code UBIN0546429 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC UBIN0546429 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC UBIN0546429

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 UBIN0546429 across all three.

NEFT to Union Bank of India, KISHUNPUR ,BAIKUNTH using IFSC UBIN0546429

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 UBIN0546429, and confirm that the system picks up Union Bank of India – KISHUNPUR ,BAIKUNTH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KISHUNPUR ,BAIKUNTH

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's KISHUNPUR ,BAIKUNTH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0546429 while initiating the transfer and the credit will appear within minutes.

IMPS to Union Bank of India KISHUNPUR ,BAIKUNTH (IFSC UBIN0546429)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0546429 in your mobile or internet banking app, and the money is credited to the KISHUNPUR ,BAIKUNTH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kishunpur ,Baikunth

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC UBIN0546429:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at KISHUNPUR ,BAIKUNTH is still linked to IFSC UBIN0546429.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

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 KISHUNPUR ,BAIKUNTH branch, the IFSC UBIN0546429 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.

Products and account variants supported

Every account opened at the Kishunpur ,Baikunth branch is mapped to IFSC UBIN0546429 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 UBIN0546429.

Products and services

Customers walking into the Kishunpur ,Baikunth 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 UBIN0546429

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 UBIN0546429 and the account number together uniquely identify the Kishunpur ,Baikunth branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC UBIN0546429

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the KISHUNPUR ,BAIKUNTH 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 UBIN0546429 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.

Common mistakes to avoid when using IFSC UBIN0546429

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 – KISHUNPUR ,BAIKUNTH, 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: UBIN0546429.
• 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 Kishunpur ,Baikunth branch

The branch is located at AT AND POST KISHANPUR BAIKUNTH,VIA HAYAGHAT BILASPUR, DIST. SAMSTIPUR,, which puts it inside Kishanpur, the broader Samastipur district, and the state of Bihar. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India Kishunpur ,Baikunth branch” — the verified location pin for IFSC UBIN0546429 should appear at the top of the results.
2. Confirm the branch is open by calling 265962 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 UBIN0546429 and your account number.

Verifying IFSC UBIN0546429 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 UBIN0546429 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 265962.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Kishunpur ,Baikunth 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 UBIN0546429 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0546429 belongs to Union Bank of India's KISHUNPUR ,BAIKUNTH branch, located at AT AND POST KISHANPUR BAIKUNTH,VIA HAYAGHAT BILASPUR, DIST. SAMSTIPUR, in KISHANPUR, 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.