IFSC Code of Union Bank of India, Chittoorsouth -Dist.Ernakulam Branch, Kerala

Below are the complete branch details for Union Bank of India, CHITTOORSOUTH -DIST.ERNAKULAM branch, located in KOCHI, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is UBIN0535796. 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 UBIN0535796 for Union Bank of India – CHITTOORSOUTH -DIST.ERNAKULAM — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, UBIN0535796 is the IFSC of Union Bank of India's CHITTOORSOUTH -DIST.ERNAKULAM branch. The format is fixed: UBIN = bank code, 0 = reserved, 535796 = branch identifier.

About Union Bank of India

Union Bank of India operates a wide network of branches across India, including the Chittoorsouth -Dist.Ernakulam branch in Kochi. 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, UBIN0535796.

About the Chittoorsouth -Dist.Ernakulam branch

The Chittoorsouth -Dist.Ernakulam branch of Union Bank of India is situated at HOUSE NO. 11/357C, STARWIN ESTATE,NEAR BOAT JETTY, SOUTH CHITTOOR,COCHIN, KERALA, PIN - 682 027.. 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 UBIN0535796 is used.

Branch details at a glance

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 CHITTOORSOUTH -DIST.ERNAKULAM branch came to be assigned the code UBIN0535796.

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 UBIN0535796, money simply cannot be routed to the CHITTOORSOUTH -DIST.ERNAKULAM branch electronically.

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 UBIN0535796 and the account number together uniquely identify the Chittoorsouth -Dist.Ernakulam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC UBIN0535796

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 UBIN0535796 across all three.

How to use IFSC UBIN0535796 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's CHITTOORSOUTH -DIST.ERNAKULAM 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 UBIN0535796.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as CHITTOORSOUTH -DIST.ERNAKULAM.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UBIN0535796

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 – CHITTOORSOUTH -DIST.ERNAKULAM, ensure your bank's portal accepts IFSC UBIN0535796 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Union Bank of India CHITTOORSOUTH -DIST.ERNAKULAM (IFSC UBIN0535796)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0535796 in your mobile or internet banking app, and the money is credited to the CHITTOORSOUTH -DIST.ERNAKULAM branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UBIN0535796 for Union Bank of India – CHITTOORSOUTH -DIST.ERNAKULAM, 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 Chittoorsouth -Dist.Ernakulam 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 CHITTOORSOUTH -DIST.ERNAKULAM branch, the IFSC UBIN0535796 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 Chittoorsouth -Dist.Ernakulam branch is mapped to IFSC UBIN0535796 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 UBIN0535796.

Products and services

Customers walking into the Chittoorsouth -Dist.Ernakulam 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 UBIN0535796

Digital banking channels

Most day-to-day work that customers used to do at the Chittoorsouth -Dist.Ernakulam 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 UBIN0535796 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 Chittoorsouth -Dist.Ernakulam branch

The branch is located at HOUSE NO. 11/357C, STARWIN ESTATE,NEAR BOAT JETTY, SOUTH CHITTOOR,COCHIN, KERALA, PIN - 682 027., which puts it inside Kochi, the broader Ernakulam district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India Chittoorsouth -Dist.Ernakulam branch” — the verified location pin for IFSC UBIN0535796 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 UBIN0535796 and your account number.

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 – CHITTOORSOUTH -DIST.ERNAKULAM:

• The IFSC is exactly UBIN0535796 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 CHITTOORSOUTH -DIST.ERNAKULAM 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.

Working hours

Branch counters at Chittoorsouth -Dist.Ernakulam 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 UBIN0535796 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0535796 for Union Bank of India – CHITTOORSOUTH -DIST.ERNAKULAM, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Final notes

To recap: UBIN0535796 is the IFSC code of Union Bank of India, CHITTOORSOUTH -DIST.ERNAKULAM branch, in KOCHI, KERALA. 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.