IFSC Code of Union Bank of India, Willingdon Island - Cochin Branch, Kerala

This page lists the IFSC code, branch address, contact number and fund-transfer information for Union Bank of India, WILLINGDON ISLAND - COCHIN branch in KOCHI. The 11-digit IFSC UBIN0533734 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Union Bank of India at the WILLINGDON ISLAND - COCHIN location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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, UBIN0533734 is the IFSC of Union Bank of India's WILLINGDON ISLAND - COCHIN branch. The format is fixed: UBIN = bank code, 0 = reserved, 533734 = 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 Willingdon Island - Cochin branch in Kochi, Kerala is part of this network and uses the IFSC code UBIN0533734 for all electronic settlement.

Willingdon Island - Cochin branch overview

Located at P. B. NO. 597, SARAF HOUSE,2ND CROSS ROAD,WILLINGDON ISLAND, KOCHI,DIST. ERNAKULAM, KERALA, PIN - 682 003., the Willingdon Island - Cochin branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UBIN0533734 is required for all interbank electronic transfers routed through this branch.

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 WILLINGDON ISLAND - COCHIN branch came to be assigned the code UBIN0533734.

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 UBIN0533734, money simply cannot be routed to the WILLINGDON ISLAND - COCHIN branch electronically.

How to transfer money using IFSC UBIN0533734

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 UBIN0533734 across all three.

How to use IFSC UBIN0533734 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's WILLINGDON ISLAND - COCHIN 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 UBIN0533734.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as WILLINGDON ISLAND - COCHIN.
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 WILLINGDON ISLAND - COCHIN

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's WILLINGDON ISLAND - COCHIN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0533734 while initiating the transfer and the credit will appear within minutes.

IMPS to Union Bank of India WILLINGDON ISLAND - COCHIN (IFSC UBIN0533734)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0533734 in your mobile or internet banking app, and the money is credited to the WILLINGDON ISLAND - COCHIN branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Willingdon Island - Cochin

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 UBIN0533734:

• 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 WILLINGDON ISLAND - COCHIN is still linked to IFSC UBIN0533734.

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.

UPI payments and IFSC UBIN0533734

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 – WILLINGDON ISLAND - COCHIN is still mapped to IFSC UBIN0533734. 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 UBIN0533734 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Willingdon Island - Cochin branch is mapped to IFSC UBIN0533734 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 UBIN0533734.

Products and services

Customers walking into the Willingdon Island - Cochin 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 UBIN0533734

MICR & cheque-truncation details

Cheques drawn on the Willingdon Island - Cochin branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0533734 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Willingdon Island - Cochin 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 UBIN0533734 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 UBIN0533734

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 – WILLINGDON ISLAND - COCHIN, 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: UBIN0533734.
• 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.

Reaching the branch

The Willingdon Island - Cochin branch sits at P. B. NO. 597, SARAF HOUSE,2ND CROSS ROAD,WILLINGDON ISLAND, KOCHI,DIST. ERNAKULAM, KERALA, PIN - 682 003.. If you are travelling from outside Kochi, search for the branch on a maps application using the bank name and locality, or call the branch contact number to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC UBIN0533734 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0533734 for Union Bank of India – WILLINGDON ISLAND - COCHIN, 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.

Working hours

Branch counters at Willingdon Island - Cochin 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 UBIN0533734 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0533734 belongs to Union Bank of India's WILLINGDON ISLAND - COCHIN branch, located at P. B. NO. 597, SARAF HOUSE,2ND CROSS ROAD,WILLINGDON ISLAND, KOCHI,DIST.… 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.