IFSC Code of Union Bank of India, Ernakulam Ravipuram Branch, Kerala

If you are searching for the IFSC code of Union Bank of India, ERNAKULAM RAVIPURAM branch in KOCHI, KERALA, this page has every detail you need. The verified IFSC code for this branch is UBIN0901318. 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 ERNAKULAM RAVIPURAM branch, and detailed step-by-step guides for using the IFSC UBIN0901318 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 – ERNAKULAM RAVIPURAM is UBIN0901318. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 901318 map to this branch in KOCHI, KERALA.

Bank profile

Union Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Ernakulam Ravipuram branch — IFSC UBIN0901318 — extends the bank's services to customers in and around Kochi, Kerala.

Branch details at a glance

Ernakulam Ravipuram branch overview

Located at 2081B,1ST FLOOR,VETTEEL CHAMBERS,M.G.ROAD, RAVIKURAM ERNAKULAM,ERNAKULAM 682016, the Ernakulam Ravipuram branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UBIN0901318 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 ERNAKULAM RAVIPURAM of Union Bank of India — its own 11-character IFSC. The code UBIN0901318 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 UBIN0901318 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Ernakulam Ravipuram branch

Once you have an account at Union Bank of India – ERNAKULAM RAVIPURAM, the IFSC UBIN0901318 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 Ernakulam Ravipuram 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 UBIN0901318

How to transfer money using IFSC UBIN0901318

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 UBIN0901318 across all three.

How to use IFSC UBIN0901318 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's ERNAKULAM RAVIPURAM 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 UBIN0901318.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as ERNAKULAM RAVIPURAM.
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 UBIN0901318

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 – ERNAKULAM RAVIPURAM, ensure your bank's portal accepts IFSC UBIN0901318 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Union Bank of India ERNAKULAM RAVIPURAM (IFSC UBIN0901318)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0901318 in your mobile or internet banking app, and the money is credited to the ERNAKULAM RAVIPURAM branch account within seconds.

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

All three modes accept the IFSC UBIN0901318 for Union Bank of India – ERNAKULAM RAVIPURAM, 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 Ernakulam Ravipuram 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 UBIN0901318

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 – ERNAKULAM RAVIPURAM is still mapped to IFSC UBIN0901318. 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 UBIN0901318 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UBIN0901318

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the ERNAKULAM RAVIPURAM 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 UBIN0901318 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 & cheque-truncation details

Cheques drawn on the Ernakulam Ravipuram branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0901318 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – ERNAKULAM RAVIPURAM:

• The IFSC is exactly UBIN0901318 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 ERNAKULAM RAVIPURAM 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 Ernakulam Ravipuram branch

The branch is located at 2081B,1ST FLOOR,VETTEEL CHAMBERS,M.G.ROAD, RAVIKURAM ERNAKULAM,ERNAKULAM 682016, 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 Ernakulam Ravipuram branch” — the verified location pin for IFSC UBIN0901318 should appear at the top of the results.
2. Confirm the branch is open by calling 484-2353018 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 UBIN0901318 and your account number.

Verifying IFSC UBIN0901318 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 UBIN0901318 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 484-2353018.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Ernakulam Ravipuram 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 UBIN0901318 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0901318 belongs to Union Bank of India's ERNAKULAM RAVIPURAM branch, located at 2081B,1ST FLOOR,VETTEEL CHAMBERS,M.G.ROAD, RAVIKURAM ERNAKULAM,ERNAKULAM 682016 in KOCHI, KERALA. 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.