IFSC Code of Union Bank of India, Kulasekharamangalam Branch, Kerala

Use this page as a one-stop reference for everything related to Union Bank of India's KULASEKHARAMANGALAM branch in KULASEKHARAMANGALAM, KERALA. The branch's IFSC code UBIN0828343 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 – KULASEKHARAMANGALAM is UBIN0828343. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 828343 map to this branch in KULASEKHARAMANGALAM, KERALA.

Bank profile

Union Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Kulasekharamangalam branch — IFSC UBIN0828343 — extends the bank's services to customers in and around Kulasekharamangalam, Kerala.

Branch details at a glance

About the Kulasekharamangalam branch

The Kulasekharamangalam branch of Union Bank of India is situated at INDO AMERICAN HOSPITAL,CHAMMANKARY,AKKARAPADAM,KULASEKHARAMANGALAM,YAIKOM,KERALA,686143. 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 UBIN0828343 is used.

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 KULASEKHARAMANGALAM of Union Bank of India — its own 11-character IFSC. The code UBIN0828343 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 UBIN0828343 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Kulasekharamangalam branch is mapped to IFSC UBIN0828343 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 UBIN0828343.

Products and services

Customers walking into the Kulasekharamangalam 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 UBIN0828343

How to transfer money using IFSC UBIN0828343

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 UBIN0828343 across all three.

How to use IFSC UBIN0828343 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's KULASEKHARAMANGALAM 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 UBIN0828343.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as KULASEKHARAMANGALAM.
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 KULASEKHARAMANGALAM

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's KULASEKHARAMANGALAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0828343 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Union Bank of India – KULASEKHARAMANGALAM, use IMPS. With IFSC UBIN0828343 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC UBIN0828343 for Union Bank of India – KULASEKHARAMANGALAM, 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 Kulasekharamangalam 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 UBIN0828343

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 – KULASEKHARAMANGALAM is still mapped to IFSC UBIN0828343. 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 UBIN0828343 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Kulasekharamangalam 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 UBIN0828343 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.

MICR & cheque-truncation details

Cheques drawn on the Kulasekharamangalam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0828343 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC UBIN0828343

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 – KULASEKHARAMANGALAM, 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: UBIN0828343.
• 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 Kulasekharamangalam branch

The branch is located at INDO AMERICAN HOSPITAL,CHAMMANKARY,AKKARAPADAM,KULASEKHARAMANGALAM,YAIKOM,KERALA,686143, which puts it inside Kulasekharamangalam, the broader Kottayam district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India Kulasekharamangalam branch” — the verified location pin for IFSC UBIN0828343 should appear at the top of the results.
2. Confirm the branch is open by calling 484-4829274895 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 UBIN0828343 and your account number.

Verifying IFSC UBIN0828343 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 UBIN0828343 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 484-4829274895.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Kulasekharamangalam 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 UBIN0828343 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0828343 belongs to Union Bank of India's KULASEKHARAMANGALAM branch, located at INDO AMERICAN… in KULASEKHARAMANGALAM, 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.