IFSC Code of Union Bank of India, Kusarna Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Union Bank of India's KUSARNA branch in KUSARNA, UTTAR PRADESH. The branch's IFSC code UBIN0547735 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.

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 KUSARNA branch, the IFSC UBIN0547735 breaks down as follows: UBIN identifies the bank, 0 is the reserved character, and 547735 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 Kusarna branch — IFSC UBIN0547735 — extends the bank's services to customers in and around Kusarna, Uttar Pradesh.

Kusarna branch overview

Located at AT & POST KUSARNA, BLOCK KERAKAT, DIST. JAUNPUR, UTTAR PRADESH, PIN - 222 149, the Kusarna branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UBIN0547735 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 KUSARNA branch came to be assigned the code UBIN0547735.

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 UBIN0547735, money simply cannot be routed to the KUSARNA branch electronically.

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 UBIN0547735 and the account number together uniquely identify the Kusarna branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC UBIN0547735

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 UBIN0547735 across all three.

NEFT to Union Bank of India, KUSARNA using IFSC UBIN0547735

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 UBIN0547735, and confirm that the system picks up Union Bank of India – KUSARNA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KUSARNA

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's KUSARNA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0547735 while initiating the transfer and the credit will appear within minutes.

IMPS to Union Bank of India KUSARNA (IFSC UBIN0547735)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0547735 in your mobile or internet banking app, and the money is credited to the KUSARNA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kusarna

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 UBIN0547735:

• 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 KUSARNA is still linked to IFSC UBIN0547735.

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 UBIN0547735

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 – KUSARNA is still mapped to IFSC UBIN0547735. 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 UBIN0547735 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kusarna branch is mapped to IFSC UBIN0547735 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 UBIN0547735.

Products and services

Customers walking into the Kusarna 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 UBIN0547735

Digital banking channels

Most day-to-day work that customers used to do at the Kusarna 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 UBIN0547735 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.

How to reach the Kusarna branch

The branch is located at AT & POST KUSARNA, BLOCK KERAKAT, DIST. JAUNPUR, UTTAR PRADESH, PIN - 222 149, which puts it inside Kusarna, the broader Jaunpur district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India Kusarna branch” — the verified location pin for IFSC UBIN0547735 should appear at the top of the results.
2. Confirm the branch is open by calling 238019 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 UBIN0547735 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 – KUSARNA:

• The IFSC is exactly UBIN0547735 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 KUSARNA 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 Kusarna 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 UBIN0547735 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0547735 for Union Bank of India – KUSARNA, 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 UBIN0547735 belongs to Union Bank of India's KUSARNA branch, located at AT & POST KUSARNA, BLOCK KERAKAT, DIST. JAUNPUR, UTTAR PRADESH, PIN - 222 149 in KUSARNA, UTTAR PRADESH. 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.