IFSC Code of Union Bank of India, Munshibazar Calcutta Branch, West Bengal

Use this page as a one-stop reference for everything related to Union Bank of India's MUNSHIBAZAR CALCUTTA branch in KOLKATA, WEST BENGAL. The branch's IFSC code UBIN0802883 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 – MUNSHIBAZAR CALCUTTA is UBIN0802883. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 802883 map to this branch in KOLKATA, WEST BENGAL.

Branch details at a glance

Bank profile

Union Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Munshibazar Calcutta branch — IFSC UBIN0802883 — extends the bank's services to customers in and around Kolkata, West Bengal.

Munshibazar Calcutta branch overview

Located at 10/2,BILIAGHATA ROADMUNSHI BAZAR,CALCUTTA WEST BENGAL, the Munshibazar Calcutta branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UBIN0802883 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 MUNSHIBAZAR CALCUTTA branch came to be assigned the code UBIN0802883.

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 UBIN0802883, money simply cannot be routed to the MUNSHIBAZAR CALCUTTA branch electronically.

How to transfer money using IFSC UBIN0802883

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 UBIN0802883 across all three.

NEFT to Union Bank of India, MUNSHIBAZAR CALCUTTA using IFSC UBIN0802883

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 UBIN0802883, and confirm that the system picks up Union Bank of India – MUNSHIBAZAR CALCUTTA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MUNSHIBAZAR CALCUTTA

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's MUNSHIBAZAR CALCUTTA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0802883 while initiating the transfer and the credit will appear within minutes.

IMPS to Union Bank of India MUNSHIBAZAR CALCUTTA (IFSC UBIN0802883)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0802883 in your mobile or internet banking app, and the money is credited to the MUNSHIBAZAR CALCUTTA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Munshibazar Calcutta

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 UBIN0802883:

• 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 MUNSHIBAZAR CALCUTTA is still linked to IFSC UBIN0802883.

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 UBIN0802883

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 – MUNSHIBAZAR CALCUTTA is still mapped to IFSC UBIN0802883. 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 UBIN0802883 and the beneficiary's account number to complete the transfer.

Account types you can open at the Munshibazar Calcutta branch

Once you have an account at Union Bank of India – MUNSHIBAZAR CALCUTTA, the IFSC UBIN0802883 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 Munshibazar Calcutta 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 UBIN0802883

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 UBIN0802883 and the account number together uniquely identify the Munshibazar Calcutta branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC UBIN0802883

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the MUNSHIBAZAR CALCUTTA 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 UBIN0802883 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.

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 – MUNSHIBAZAR CALCUTTA:

• The IFSC is exactly UBIN0802883 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 MUNSHIBAZAR CALCUTTA 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.

Reaching the branch

The Munshibazar Calcutta branch sits at 10/2,BILIAGHATA ROADMUNSHI BAZAR,CALCUTTA WEST BENGAL. If you are travelling from outside Kolkata, search for the branch on a maps application using the bank name and locality, or call 3322510896 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 UBIN0802883 and your account number.

Verifying IFSC UBIN0802883 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 UBIN0802883 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 3322510896.
• Visiting the bank's official branch locator page.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Munshibazar Calcutta branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0802883, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0802883 belongs to Union Bank of India's MUNSHIBAZAR CALCUTTA branch, located at 10/2,BILIAGHATA ROADMUNSHI BAZAR,CALCUTTA WEST BENGAL 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.