IFSC Code of Union Bank of India, Msme Loan Point-Machilipatnam Branch, Andhra Pradesh

Below are the complete branch details for Union Bank of India, MSME LOAN POINT-MACHILIPATNAM branch, located in MACHILIPATNAM, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is UBIN0582794. 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 UBIN0582794 for Union Bank of India – MSME LOAN POINT-MACHILIPATNAM — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, UBIN0582794 is the IFSC of Union Bank of India's MSME LOAN POINT-MACHILIPATNAM branch. The format is fixed: UBIN = bank code, 0 = reserved, 582794 = branch identifier.

About Union Bank of India

Union Bank of India operates a wide network of branches across India, including the Msme Loan Point-Machilipatnam branch in Machilipatnam. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UBIN0582794.

Branch details at a glance

About this branch

The branch is located at D.NO. 16-490-15B, 2ND FLOOR, SIRAJ COMPLEX, MAIN ROAD, MACHILIPATNAM. It serves the Machilipatnam 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 UBIN0582794 is used to identify this branch on the RBI payments network.

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 MSME LOAN POINT-MACHILIPATNAM branch came to be assigned the code UBIN0582794.

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 UBIN0582794, money simply cannot be routed to the MSME LOAN POINT-MACHILIPATNAM branch electronically.

Products and account variants supported

Every account opened at the Msme Loan Point-Machilipatnam branch is mapped to IFSC UBIN0582794 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 UBIN0582794.

Products and services

Customers walking into the Msme Loan Point-Machilipatnam 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 UBIN0582794

How to transfer money using IFSC UBIN0582794

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 UBIN0582794 across all three.

How to use IFSC UBIN0582794 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's MSME LOAN POINT-MACHILIPATNAM 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 UBIN0582794.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as MSME LOAN POINT-MACHILIPATNAM.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UBIN0582794

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 – MSME LOAN POINT-MACHILIPATNAM, ensure your bank's portal accepts IFSC UBIN0582794 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Union Bank of India – MSME LOAN POINT-MACHILIPATNAM, use IMPS. With IFSC UBIN0582794 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 UBIN0582794 for Union Bank of India – MSME LOAN POINT-MACHILIPATNAM, 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 Msme Loan Point-Machilipatnam 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 UBIN0582794

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 – MSME LOAN POINT-MACHILIPATNAM is still mapped to IFSC UBIN0582794. 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 UBIN0582794 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 Msme Loan Point-Machilipatnam 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 UBIN0582794 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 Msme Loan Point-Machilipatnam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0582794 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – MSME LOAN POINT-MACHILIPATNAM:

• The IFSC is exactly UBIN0582794 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 MSME LOAN POINT-MACHILIPATNAM 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 Msme Loan Point-Machilipatnam branch sits at D.NO. 16-490-15B, 2ND FLOOR, SIRAJ COMPLEX, MAIN ROAD, MACHILIPATNAM. If you are travelling from outside Machilipatnam, search for the branch on a maps application using the bank name and locality, or call 9674588354 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 UBIN0582794 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0582794 for Union Bank of India – MSME LOAN POINT-MACHILIPATNAM, 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 Msme Loan Point-Machilipatnam 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 UBIN0582794 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0582794 belongs to Union Bank of India's MSME LOAN POINT-MACHILIPATNAM branch, located at D.NO. 16-490-15B, 2ND FLOOR, SIRAJ COMPLEX, MAIN ROAD, MACHILIPATNAM in MACHILIPATNAM, ANDHRA 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.