IFSC Code of Union Bank of India, B R S Nagar Ludhiana Branch, Punjab

Below are the complete branch details for Union Bank of India, B R S NAGAR LUDHIANA branch, located in LUDHIANA, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is UBIN0569062. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UBIN0569062 for Union Bank of India – B R S NAGAR LUDHIANA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – B R S NAGAR LUDHIANA is UBIN0569062. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 569062 map to this branch in LUDHIANA, PUNJAB.

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 B R S Nagar Ludhiana branch in Ludhiana, Punjab is part of this network and uses the IFSC code UBIN0569062 for all electronic settlement.

About the B R S Nagar Ludhiana branch

The B R S Nagar Ludhiana branch of Union Bank of India is situated at S C O 43G,MAIN MARKET,B R S NAGAR,LUDHIANA , PIN-141003. 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 UBIN0569062 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 B R S NAGAR LUDHIANA branch came to be assigned the code UBIN0569062.

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 UBIN0569062, money simply cannot be routed to the B R S NAGAR LUDHIANA branch electronically.

How to transfer money using IFSC UBIN0569062

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 UBIN0569062 across all three.

NEFT to Union Bank of India, B R S NAGAR LUDHIANA using IFSC UBIN0569062

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 UBIN0569062, and confirm that the system picks up Union Bank of India – B R S NAGAR LUDHIANA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UBIN0569062

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 – B R S NAGAR LUDHIANA, ensure your bank's portal accepts IFSC UBIN0569062 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Union Bank of India B R S NAGAR LUDHIANA (IFSC UBIN0569062)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0569062 in your mobile or internet banking app, and the money is credited to the B R S NAGAR LUDHIANA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to B R S Nagar Ludhiana

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 UBIN0569062:

• 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 B R S NAGAR LUDHIANA is still linked to IFSC UBIN0569062.

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 UBIN0569062

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 – B R S NAGAR LUDHIANA is still mapped to IFSC UBIN0569062. 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 UBIN0569062 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the B R S Nagar Ludhiana branch is mapped to IFSC UBIN0569062 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 UBIN0569062.

Banking services available

The B R S Nagar Ludhiana branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• 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 UBIN0569062

MICR & cheque-truncation details

Cheques drawn on the B R S Nagar Ludhiana branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0569062 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC UBIN0569062

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the B R S NAGAR LUDHIANA 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 UBIN0569062 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.

Common mistakes to avoid when using IFSC UBIN0569062

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 – B R S NAGAR LUDHIANA, 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: UBIN0569062.
• 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 B R S Nagar Ludhiana branch

The branch is located at S C O 43G,MAIN MARKET,B R S NAGAR,LUDHIANA , PIN-141003, which puts it inside Ludhiana, the broader Ludhiana district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India B R S Nagar Ludhiana branch” — the verified location pin for IFSC UBIN0569062 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 UBIN0569062 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0569062 for Union Bank of India – B R S NAGAR LUDHIANA, 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.

Working hours

Branch counters at B R S Nagar Ludhiana 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 UBIN0569062 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UBIN0569062 is the IFSC code of Union Bank of India, B R S NAGAR LUDHIANA branch, in LUDHIANA, PUNJAB. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.