IFSC Code of Union Bank of India, Mangaluru Balmatta Branch, Karnataka

Use this page as a one-stop reference for everything related to Union Bank of India's MANGALURU BALMATTA branch in MANGALORE, KARNATAKA. The branch's IFSC code UBIN0932655 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 – MANGALURU BALMATTA is UBIN0932655. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 932655 map to this branch in MANGALORE, KARNATAKA.

Bank profile

Union Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Mangaluru Balmatta branch — IFSC UBIN0932655 — extends the bank's services to customers in and around Mangalore, Karnataka.

Mangaluru Balmatta branch overview

Located at SARASWATHI COMMERCIAL COMPLEX OPP BHIMA JEWELERS SCS HOSPITAL UPPERBENDOOR ROAD BALMATTA, the Mangaluru Balmatta branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UBIN0932655 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 MANGALURU BALMATTA branch came to be assigned the code UBIN0932655.

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 UBIN0932655, money simply cannot be routed to the MANGALURU BALMATTA 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 UBIN0932655 and the account number together uniquely identify the Mangaluru Balmatta branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC UBIN0932655

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 UBIN0932655 across all three.

NEFT to Union Bank of India, MANGALURU BALMATTA using IFSC UBIN0932655

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 UBIN0932655, and confirm that the system picks up Union Bank of India – MANGALURU BALMATTA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MANGALURU BALMATTA

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's MANGALURU BALMATTA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0932655 while initiating the transfer and the credit will appear within minutes.

IMPS to Union Bank of India MANGALURU BALMATTA (IFSC UBIN0932655)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0932655 in your mobile or internet banking app, and the money is credited to the MANGALURU BALMATTA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UBIN0932655 for Union Bank of India – MANGALURU BALMATTA, 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 Mangaluru Balmatta 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 UBIN0932655

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 – MANGALURU BALMATTA is still mapped to IFSC UBIN0932655. 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 UBIN0932655 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Mangaluru Balmatta branch is mapped to IFSC UBIN0932655 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 UBIN0932655.

Products and services

Customers walking into the Mangaluru Balmatta 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 UBIN0932655

Digital banking channels

Most day-to-day work that customers used to do at the Mangaluru Balmatta 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 UBIN0932655 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.

Reaching the branch

The Mangaluru Balmatta branch sits at SARASWATHI COMMERCIAL COMPLEX OPP BHIMA JEWELERS SCS HOSPITAL UPPERBENDOOR ROAD BALMATTA. If you are travelling from outside Mangalore, search for the branch on a maps application using the bank name and locality, or call 9632764448 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 UBIN0932655 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 – MANGALURU BALMATTA:

• The IFSC is exactly UBIN0932655 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 MANGALURU BALMATTA 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 Mangaluru Balmatta 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 UBIN0932655 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0932655 for Union Bank of India – MANGALURU BALMATTA, 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 UBIN0932655 belongs to Union Bank of India's MANGALURU BALMATTA branch, located at SARASWATHI COMMERCIAL COMPLEX OPP BHIMA JEWELERS SCS HOSPITAL UPPERBENDOOR… in MANGALORE, 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.