IFSC Code of Union Bank of India, Mookherjee Housekolkata Branch, West Bengal

Below are the complete branch details for Union Bank of India, MOOKHERJEE HOUSEKOLKATA branch, located in KOLKATA, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is UBIN0900524. 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 UBIN0900524 for Union Bank of India – MOOKHERJEE HOUSEKOLKATA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Union Bank of India's MOOKHERJEE HOUSEKOLKATA branch, the IFSC UBIN0900524 breaks down as follows: UBIN identifies the bank, 0 is the reserved character, and 900524 identifies this particular branch.

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 Mookherjee Housekolkata branch in Kolkata, West Bengal is part of this network and uses the IFSC code UBIN0900524 for all electronic settlement.

Branch details at a glance

About the Mookherjee Housekolkata branch

The Mookherjee Housekolkata branch of Union Bank of India is situated at MOOKHERJEE HOUSE,17 BRABOURNE ROAD, KOLKATA 700 001. 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 UBIN0900524 is used.

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 MOOKHERJEE HOUSEKOLKATA branch came to be assigned the code UBIN0900524.

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 UBIN0900524, money simply cannot be routed to the MOOKHERJEE HOUSEKOLKATA branch electronically.

Products and account variants supported

Every account opened at the Mookherjee Housekolkata branch is mapped to IFSC UBIN0900524 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 UBIN0900524.

Banking services available

The Mookherjee Housekolkata branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-22425668.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC UBIN0900524

How to transfer money using IFSC UBIN0900524

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 UBIN0900524 across all three.

How to use IFSC UBIN0900524 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's MOOKHERJEE HOUSEKOLKATA 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 UBIN0900524.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as MOOKHERJEE HOUSEKOLKATA.
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 MOOKHERJEE HOUSEKOLKATA

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's MOOKHERJEE HOUSEKOLKATA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0900524 while initiating the transfer and the credit will appear within minutes.

IMPS to Union Bank of India MOOKHERJEE HOUSEKOLKATA (IFSC UBIN0900524)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0900524 in your mobile or internet banking app, and the money is credited to the MOOKHERJEE HOUSEKOLKATA branch account within seconds.

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

All three modes accept the IFSC UBIN0900524 for Union Bank of India – MOOKHERJEE HOUSEKOLKATA, 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 Mookherjee Housekolkata 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 UBIN0900524

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 – MOOKHERJEE HOUSEKOLKATA is still mapped to IFSC UBIN0900524. 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 UBIN0900524 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UBIN0900524

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the MOOKHERJEE HOUSEKOLKATA 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 UBIN0900524 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 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 UBIN0900524 and the account number together uniquely identify the Mookherjee Housekolkata branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC UBIN0900524

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 – MOOKHERJEE HOUSEKOLKATA, 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: UBIN0900524.
• 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 Mookherjee Housekolkata branch

The branch is located at MOOKHERJEE HOUSE,17 BRABOURNE ROAD, KOLKATA 700 001, which puts it inside Kolkata, the broader Kolkata district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India Mookherjee Housekolkata branch” — the verified location pin for IFSC UBIN0900524 should appear at the top of the results.
2. Confirm the branch is open by calling 33-22425668 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 UBIN0900524 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0900524 for Union Bank of India – MOOKHERJEE HOUSEKOLKATA, 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 Mookherjee Housekolkata 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 UBIN0900524 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0900524 belongs to Union Bank of India's MOOKHERJEE HOUSEKOLKATA branch, located at MOOKHERJEE HOUSE,17 BRABOURNE ROAD, KOLKATA 700 001 in KOLKATA, WEST BENGAL. 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.