Use this page as a one-stop reference for everything related to Union Bank of India's LIDHRAN branch in LIDHRAN, PUNJAB. The branch's IFSC code UBIN0819590 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 – LIDHRAN is UBIN0819590. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 819590 map to this branch in LIDHRAN, PUNJAB.
Branch details at a glance
| Bank Name | Union Bank of India |
|---|---|
| Branch | Lidhran |
| IFSC Code | UBIN0819590 |
| MICR Code | Refer to cheque leaf |
| Branch Address | LIDHRAN VILLAGEJALANDHAR DIST |
| City | Lidhran |
| District | Jalandhar |
| State | Punjab |
| Phone | 1812690799 |
Bank profile
Union Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Lidhran branch — IFSC UBIN0819590 — extends the bank's services to customers in and around Lidhran, Punjab.
About the Lidhran branch
The Lidhran branch of Union Bank of India is situated at LIDHRAN VILLAGEJALANDHAR DIST. 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 UBIN0819590 is used.
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 LIDHRAN branch came to be assigned the code UBIN0819590.
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 UBIN0819590, money simply cannot be routed to the LIDHRAN branch electronically.
How to transfer money using IFSC UBIN0819590
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 UBIN0819590 across all three.
NEFT to Union Bank of India, LIDHRAN using IFSC UBIN0819590
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 UBIN0819590, and confirm that the system picks up Union Bank of India – LIDHRAN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UBIN0819590
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Union Bank of India – LIDHRAN, ensure your bank's portal accepts IFSC UBIN0819590 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Union Bank of India LIDHRAN (IFSC UBIN0819590)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0819590 in your mobile or internet banking app, and the money is credited to the LIDHRAN branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Lidhran
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 UBIN0819590:
- 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 LIDHRAN is still linked to IFSC UBIN0819590.
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 UBIN0819590
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 – LIDHRAN is still mapped to IFSC UBIN0819590. 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 UBIN0819590 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Lidhran branch is mapped to IFSC UBIN0819590 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 UBIN0819590.
Banking services available
The Lidhran branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1812690799.
- 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 UBIN0819590
MICR & cheque-truncation details
Cheques drawn on the Lidhran branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0819590 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC UBIN0819590
Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the LIDHRAN 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 UBIN0819590 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 – LIDHRAN:
- The IFSC is exactly UBIN0819590 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 LIDHRAN 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 Lidhran branch sits at LIDHRAN VILLAGEJALANDHAR DIST. If you are travelling from outside Lidhran, search for the branch on a maps application using the bank name and locality, or call 1812690799 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 UBIN0819590 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UBIN0819590 for Union Bank of India – LIDHRAN, 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 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 Lidhran branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0819590, however, work 24x7.
Branch address & contact
Union Bank of IndiaLidhran Branch
LIDHRAN VILLAGEJALANDHAR DIST
Lidhran, Punjab
Phone: 1812690799
IFSC: UBIN0819590
Frequently asked questions
Is IFSC UBIN0819590 the same for all accounts at Lidhran branch?
Yes. The IFSC UBIN0819590 is shared by every account held at Union Bank of India's Lidhran branch. Only the account number changes from customer to customer.
Is IFSC UBIN0819590 valid for NEFT and RTGS?
Yes. IFSC UBIN0819590 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Union Bank of India Lidhran branch located?
Union Bank of India's Lidhran branch is located at LIDHRAN VILLAGEJALANDHAR DIST, Lidhran, Punjab.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Lidhran branch but serve different purposes.
Can I use IFSC UBIN0819590 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UBIN0819590 to send funds instantly.
What is the IFSC code of Union Bank of India Lidhran branch?
The IFSC code of Union Bank of India, Lidhran branch is UBIN0819590. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code UBIN0819590 belongs to Union Bank of India's LIDHRAN branch, located at LIDHRAN VILLAGEJALANDHAR DIST in LIDHRAN, PUNJAB. 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.
