Below are the complete branch details for Union Bank of India, MALA branch, located in MALA, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is UBIN0903515. 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 UBIN0903515 for Union Bank of India – MALA — 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 – MALA is UBIN0903515. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 903515 map to this branch in MALA, KARNATAKA.
Branch details at a glance
| Bank Name | Union Bank of India |
|---|---|
| Branch | Mala |
| IFSC Code | UBIN0903515 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 1 ST FLOOR, SHRI RAMA BHAKTHI DHAMA, MALLAR, PO MALA 574123 |
| City | Mala |
| District | Udipi |
| State | Karnataka |
| STD Code | 8258 |
| Phone | 273248 |
About Union Bank of India
Union Bank of India operates a wide network of branches across India, including the Mala branch in Mala. 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, UBIN0903515.
About this branch
The branch is located at 1 ST FLOOR, SHRI RAMA BHAKTHI DHAMA, MALLAR, PO MALA 574123. It serves the Mala 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 UBIN0903515 is used to identify this branch on the RBI payments network.
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 MALA of Union Bank of India — its own 11-character IFSC. The code UBIN0903515 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 UBIN0903515 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC UBIN0903515
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 UBIN0903515 across all three.
NEFT to Union Bank of India, MALA using IFSC UBIN0903515
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 UBIN0903515, and confirm that the system picks up Union Bank of India – MALA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UBIN0903515
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 – MALA, ensure your bank's portal accepts IFSC UBIN0903515 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Union Bank of India MALA (IFSC UBIN0903515)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0903515 in your mobile or internet banking app, and the money is credited to the MALA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Mala
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 UBIN0903515:
- 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 MALA is still linked to IFSC UBIN0903515.
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 UBIN0903515
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 – MALA is still mapped to IFSC UBIN0903515. 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 UBIN0903515 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Mala branch is mapped to IFSC UBIN0903515 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 UBIN0903515.
Banking services available
The Mala branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8258-273248.
- 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 UBIN0903515
MICR & cheque-truncation details
Cheques drawn on the Mala branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0903515 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Mala 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 UBIN0903515 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.
Common mistakes to avoid when using IFSC UBIN0903515
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 – MALA, 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:
UBIN0903515. - 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 Mala branch
The branch is located at 1 ST FLOOR, SHRI RAMA BHAKTHI DHAMA, MALLAR, PO MALA 574123, which puts it inside Mala, the broader Udipi district, and the state of Karnataka. To plan your visit:
- Open Google Maps on your phone and search for “Union Bank of India Mala branch” — the verified location pin for IFSC UBIN0903515 should appear at the top of the results.
- Confirm the branch is open by calling 8258-273248 before stepping out, especially around public holidays.
- 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 UBIN0903515 and your account number.
Verifying IFSC UBIN0903515 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 UBIN0903515 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8258-273248.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Mala 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 UBIN0903515 continue to work without interruption.
Branch address & contact
Union Bank of IndiaMala Branch
1 ST FLOOR, SHRI RAMA BHAKTHI DHAMA, MALLAR, PO MALA 574123
Mala, Karnataka
Phone: 8258-273248
IFSC: UBIN0903515
Frequently asked questions
What is the phone number of Union Bank of India Mala branch?
You can reach the branch at 8258-273248 during regular banking hours.
Is IFSC UBIN0903515 the same for all accounts at Mala branch?
Yes. The IFSC UBIN0903515 is shared by every account held at Union Bank of India's Mala branch. Only the account number changes from customer to customer.
Can I use IFSC UBIN0903515 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UBIN0903515 to send funds instantly.
Where is Union Bank of India Mala branch located?
Union Bank of India's Mala branch is located at 1 ST FLOOR, SHRI RAMA BHAKTHI DHAMA, MALLAR, PO MALA 574123, Mala, Karnataka.
What is the IFSC code of Union Bank of India Mala branch?
The IFSC code of Union Bank of India, Mala branch is UBIN0903515. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Union Bank of India Mala as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UBIN0903515, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UBIN0903515 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Union Bank of India – Mala reflect within 30 minutes.
Summary
The IFSC code UBIN0903515 belongs to Union Bank of India's MALA branch, located at 1 ST FLOOR, SHRI RAMA BHAKTHI DHAMA, MALLAR, PO MALA 574123 in MALA, KARNATAKA. 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.
