IFSC Code of Union Bank of India, Kothagudem Branch, Telangana

If you are searching for the IFSC code of Union Bank of India, KOTHAGUDEM branch in KOTHAGUDEM, TELANGANA, this page has every detail you need. The verified IFSC code for this branch is UBIN0803154. 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 KOTHAGUDEM branch, and detailed step-by-step guides for using the IFSC UBIN0803154 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.

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 KOTHAGUDEM branch, the IFSC UBIN0803154 breaks down as follows: UBIN identifies the bank, 0 is the reserved character, and 803154 identifies this particular branch.

Bank profile

Union Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Kothagudem branch — IFSC UBIN0803154 — extends the bank's services to customers in and around Kothagudem, Telangana.

About the Kothagudem branch

The Kothagudem branch of Union Bank of India is situated at 7-89 SHOPPING CENTRE,SINGARENI COLLERIESBLDGS,M G ROAD KOTHAGUDEM,KHAM. 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 UBIN0803154 is used.

Branch details at a glance

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 KOTHAGUDEM of Union Bank of India — its own 11-character IFSC. The code UBIN0803154 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 UBIN0803154 the same way you would treat your account number — verify it once and save it carefully for future use.

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 UBIN0803154 and the account number together uniquely identify the Kothagudem branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC UBIN0803154

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 UBIN0803154 across all three.

How to use IFSC UBIN0803154 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's KOTHAGUDEM 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 UBIN0803154.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as KOTHAGUDEM.
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 KOTHAGUDEM

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's KOTHAGUDEM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0803154 while initiating the transfer and the credit will appear within minutes.

IMPS to Union Bank of India KOTHAGUDEM (IFSC UBIN0803154)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0803154 in your mobile or internet banking app, and the money is credited to the KOTHAGUDEM branch account within seconds.

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

All three modes accept the IFSC UBIN0803154 for Union Bank of India – KOTHAGUDEM, 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 Kothagudem 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 KOTHAGUDEM branch, the IFSC UBIN0803154 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 Kothagudem branch is mapped to IFSC UBIN0803154 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 UBIN0803154.

Banking services available

The Kothagudem branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8744242644.

• 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 UBIN0803154

Online banking and IFSC UBIN0803154

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the KOTHAGUDEM 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 UBIN0803154 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.

How to reach the Kothagudem branch

The branch is located at 7-89 SHOPPING CENTRE,SINGARENI COLLERIESBLDGS,M G ROAD KOTHAGUDEM,KHAM, which puts it inside Kothagudem, the broader Bhadradri district, and the state of Telangana. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India Kothagudem branch” — the verified location pin for IFSC UBIN0803154 should appear at the top of the results.
2. Confirm the branch is open by calling 8744242644 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 UBIN0803154 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 – KOTHAGUDEM:

• The IFSC is exactly UBIN0803154 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 KOTHAGUDEM 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 Kothagudem 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 UBIN0803154 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0803154 for Union Bank of India – KOTHAGUDEM, 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

Summary

The IFSC code UBIN0803154 belongs to Union Bank of India's KOTHAGUDEM branch, located at 7-89 SHOPPING CENTRE,SINGARENI COLLERIESBLDGS,M G ROAD KOTHAGUDEM,KHAM in KOTHAGUDEM, TELANGANA. 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.