IFSC Code of Union Bank of India, Maroli - Padavu Branch, Karnataka

Below are the complete branch details for Union Bank of India, MAROLI - PADAVU branch, located in MANGALORE, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is UBIN0536440. 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 UBIN0536440 for Union Bank of India – MAROLI - PADAVU — 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 – MAROLI - PADAVU is UBIN0536440. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 536440 map to this branch in MANGALORE, KARNATAKA.

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 Maroli - Padavu branch in Mangalore, Karnataka is part of this network and uses the IFSC code UBIN0536440 for all electronic settlement.

Maroli - Padavu branch overview

Located at P.B.NO.932,RAMKRISHNA COMPLEX, KULSHEKAR-KAIKAMKULSHEKAR POST, DIST. DAKSHIN KANNADA,MANGALORE,KARNATAKA, PIN - 575 005., the Maroli - Padavu branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UBIN0536440 is required for all interbank electronic transfers routed through this branch.

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 MAROLI - PADAVU branch came to be assigned the code UBIN0536440.

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 UBIN0536440, money simply cannot be routed to the MAROLI - PADAVU branch electronically.

How to transfer money using IFSC UBIN0536440

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 UBIN0536440 across all three.

NEFT to Union Bank of India, MAROLI - PADAVU using IFSC UBIN0536440

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 UBIN0536440, and confirm that the system picks up Union Bank of India – MAROLI - PADAVU. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MAROLI - PADAVU

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's MAROLI - PADAVU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0536440 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Union Bank of India – MAROLI - PADAVU, use IMPS. With IFSC UBIN0536440 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Maroli - Padavu

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 UBIN0536440:

• 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 MAROLI - PADAVU is still linked to IFSC UBIN0536440.

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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Union Bank of India's MAROLI - PADAVU branch, the IFSC UBIN0536440 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Account types you can open at the Maroli - Padavu branch

Once you have an account at Union Bank of India – MAROLI - PADAVU, the IFSC UBIN0536440 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Maroli - Padavu 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 UBIN0536440

MICR & cheque-truncation details

Cheques drawn on the Maroli - Padavu branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0536440 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 Maroli - Padavu 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 UBIN0536440 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.

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 – MAROLI - PADAVU:

• The IFSC is exactly UBIN0536440 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 MAROLI - PADAVU 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.

How to reach the Maroli - Padavu branch

The branch is located at P.B.NO.932,RAMKRISHNA COMPLEX, KULSHEKAR-KAIKAMKULSHEKAR POST, DIST. DAKSHIN KANNADA,MANGALORE,KARNATAKA, PIN - 575 005., which puts it inside Mangalore, the broader Dakshina Kannada district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India Maroli - Padavu branch” — the verified location pin for IFSC UBIN0536440 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 UBIN0536440 and your account number.

Verifying IFSC UBIN0536440 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 UBIN0536440 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on the branch contact number.
• Visiting the bank's official branch locator page.

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 Maroli - Padavu branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0536440, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0536440 belongs to Union Bank of India's MAROLI - PADAVU branch, located at P.B.NO.932,RAMKRISHNA COMPLEX, KULSHEKAR-KAIKAMKULSHEKAR POST, DIST. DAKSHIN… 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.