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

This page lists the IFSC code, branch address, contact number and fund-transfer information for Union Bank of India, VIDYANAGAR branch in KOTHAGUDEM. The 11-digit IFSC UBIN0824992 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 VIDYANAGAR 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.

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 VIDYANAGAR branch, the IFSC UBIN0824992 breaks down as follows: UBIN identifies the bank, 0 is the reserved character, and 824992 identifies this particular branch.

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 Vidyanagar branch in Kothagudem, Telangana is part of this network and uses the IFSC code UBIN0824992 for all electronic settlement.

About this branch

The branch is located at KOTHAGUDEM,3 1 237 1,VIDYANAGAR COLONY,KOTHAGUDEM,KURNOOL DIST,507001. It serves the Kothagudem region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Union Bank of India. The IFSC UBIN0824992 is used to identify this branch on the RBI payments network.

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 VIDYANAGAR of Union Bank of India — its own 11-character IFSC. The code UBIN0824992 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 UBIN0824992 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC UBIN0824992

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 UBIN0824992 across all three.

How to use IFSC UBIN0824992 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's VIDYANAGAR 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 UBIN0824992.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as VIDYANAGAR.
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 VIDYANAGAR

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's VIDYANAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0824992 while initiating the transfer and the credit will appear within minutes.

IMPS to Union Bank of India VIDYANAGAR (IFSC UBIN0824992)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0824992 in your mobile or internet banking app, and the money is credited to the VIDYANAGAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Vidyanagar

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 UBIN0824992:

• 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 VIDYANAGAR is still linked to IFSC UBIN0824992.

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 UBIN0824992

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 – VIDYANAGAR is still mapped to IFSC UBIN0824992. 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 UBIN0824992 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Vidyanagar branch is mapped to IFSC UBIN0824992 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 UBIN0824992.

Banking services available

The Vidyanagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8744243090.

• 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 UBIN0824992

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 UBIN0824992 and the account number together uniquely identify the Vidyanagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Vidyanagar 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 UBIN0824992 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.

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 – VIDYANAGAR:

• The IFSC is exactly UBIN0824992 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 VIDYANAGAR 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 Vidyanagar branch

The branch is located at KOTHAGUDEM,3 1 237 1,VIDYANAGAR COLONY,KOTHAGUDEM,KURNOOL DIST,507001, 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 Vidyanagar branch” — the verified location pin for IFSC UBIN0824992 should appear at the top of the results.
2. Confirm the branch is open by calling 8744243090 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 UBIN0824992 and your account number.

Verifying IFSC UBIN0824992 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 UBIN0824992 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8744243090.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Vidyanagar 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 UBIN0824992 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0824992 belongs to Union Bank of India's VIDYANAGAR branch, located at KOTHAGUDEM,3 1 237 1,VIDYANAGAR COLONY,KOTHAGUDEM,KURNOOL DIST,507001 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.