IFSC Code of Union Bank of India, Mattukkatta ,Ayyappankoil Branch, Kerala

Use this page as a one-stop reference for everything related to Union Bank of India's MATTUKKATTA ,AYYAPPANKOIL branch in MATTUKKATTA, KERALA. The branch's IFSC code UBIN0542326 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.

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, UBIN0542326 is the IFSC of Union Bank of India's MATTUKKATTA ,AYYAPPANKOIL branch. The format is fixed: UBIN = bank code, 0 = reserved, 542326 = branch identifier.

Bank profile

Union Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Mattukkatta ,Ayyappankoil branch — IFSC UBIN0542326 — extends the bank's services to customers in and around Mattukkatta, Kerala.

Mattukkatta ,Ayyappankoil branch overview

Located at KODITHOTTATHIL BUILDING,MATTUKKATTA, AYYAPPANCOIL P.O.,, the Mattukkatta ,Ayyappankoil branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UBIN0542326 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 MATTUKKATTA ,AYYAPPANKOIL of Union Bank of India — its own 11-character IFSC. The code UBIN0542326 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 UBIN0542326 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Mattukkatta ,Ayyappankoil branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0542326 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC UBIN0542326

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 UBIN0542326 across all three.

How to use IFSC UBIN0542326 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's MATTUKKATTA ,AYYAPPANKOIL 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 UBIN0542326.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as MATTUKKATTA ,AYYAPPANKOIL.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to MATTUKKATTA ,AYYAPPANKOIL

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's MATTUKKATTA ,AYYAPPANKOIL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0542326 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 – MATTUKKATTA ,AYYAPPANKOIL, use IMPS. With IFSC UBIN0542326 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 Mattukkatta ,Ayyappankoil

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 UBIN0542326:

• 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 MATTUKKATTA ,AYYAPPANKOIL is still linked to IFSC UBIN0542326.

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 MATTUKKATTA ,AYYAPPANKOIL branch, the IFSC UBIN0542326 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 Mattukkatta ,Ayyappankoil branch

Once you have an account at Union Bank of India – MATTUKKATTA ,AYYAPPANKOIL, the IFSC UBIN0542326 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 Mattukkatta ,Ayyappankoil branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 244239.

• 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 UBIN0542326

Online banking and IFSC UBIN0542326

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the MATTUKKATTA ,AYYAPPANKOIL 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 UBIN0542326 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.

How to reach the Mattukkatta ,Ayyappankoil branch

The branch is located at KODITHOTTATHIL BUILDING,MATTUKKATTA, AYYAPPANCOIL P.O.,, which puts it inside Mattukkatta, the broader Idukki district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India Mattukkatta ,Ayyappankoil branch” — the verified location pin for IFSC UBIN0542326 should appear at the top of the results.
2. Confirm the branch is open by calling 244239 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 UBIN0542326 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 – MATTUKKATTA ,AYYAPPANKOIL:

• The IFSC is exactly UBIN0542326 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 MATTUKKATTA ,AYYAPPANKOIL 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 Mattukkatta ,Ayyappankoil 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 UBIN0542326 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0542326 for Union Bank of India – MATTUKKATTA ,AYYAPPANKOIL, 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 UBIN0542326 belongs to Union Bank of India's MATTUKKATTA ,AYYAPPANKOIL branch, located at KODITHOTTATHIL BUILDING,MATTUKKATTA, AYYAPPANCOIL P.O., in MATTUKKATTA, KERALA. 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.