Below are the complete branch details for Union Bank of India, MOHAMEDALI ROAD - MUMBAI branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is UBIN0531847. 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 UBIN0531847 for Union Bank of India – MOHAMEDALI ROAD - MUMBAI — 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, UBIN0531847 is the IFSC of Union Bank of India's MOHAMEDALI ROAD - MUMBAI branch. The format is fixed: UBIN = bank code, 0 = reserved, 531847 = branch identifier.
Bank profile
Union Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Mohamedali Road - Mumbai branch — IFSC UBIN0531847 — extends the bank's services to customers in and around Mumbai, Maharashtra.
Branch details at a glance
| Bank Name | Union Bank of India |
|---|---|
| Branch | Mohamedali Road - Mumbai |
| IFSC Code | UBIN0531847 |
| MICR Code | Refer to cheque leaf |
| Branch Address | KARIM BUILDING, 56, MOHAMEDALI ROAD,MUMBAI - 400 003. |
| City | Mumbai |
| District | Greater Bombay |
| State | Maharashtra |
About this branch
The branch is located at KARIM BUILDING, 56, MOHAMEDALI ROAD,MUMBAI - 400 003.. It serves the Mumbai 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 UBIN0531847 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 MOHAMEDALI ROAD - MUMBAI branch came to be assigned the code UBIN0531847.
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 UBIN0531847, money simply cannot be routed to the MOHAMEDALI ROAD - MUMBAI branch electronically.
Products and account variants supported
Every account opened at the Mohamedali Road - Mumbai branch is mapped to IFSC UBIN0531847 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 UBIN0531847.
Banking services available
The Mohamedali Road - Mumbai 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 UBIN0531847
How to transfer money using IFSC UBIN0531847
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 UBIN0531847 across all three.
How to use IFSC UBIN0531847 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's MOHAMEDALI ROAD - MUMBAI 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC UBIN0531847.
- Confirm the bank name auto-populates as Union Bank of India and the branch as MOHAMEDALI ROAD - MUMBAI.
- 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 MOHAMEDALI ROAD - MUMBAI
If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's MOHAMEDALI ROAD - MUMBAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0531847 while initiating the transfer and the credit will appear within minutes.
IMPS to Union Bank of India MOHAMEDALI ROAD - MUMBAI (IFSC UBIN0531847)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0531847 in your mobile or internet banking app, and the money is credited to the MOHAMEDALI ROAD - MUMBAI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UBIN0531847 for Union Bank of India – MOHAMEDALI ROAD - MUMBAI, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – UBIN0531847 | Yes – UBIN0531847 | Yes – UBIN0531847 |
For most retail customers crediting the Mohamedali Road - Mumbai 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.
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 MOHAMEDALI ROAD - MUMBAI branch, the IFSC UBIN0531847 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.
Online banking and IFSC UBIN0531847
Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the MOHAMEDALI ROAD - MUMBAI 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 UBIN0531847 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.
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 UBIN0531847 and the account number together uniquely identify the Mohamedali Road - Mumbai branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – MOHAMEDALI ROAD - MUMBAI:
- The IFSC is exactly UBIN0531847 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 MOHAMEDALI ROAD - MUMBAI 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 Mohamedali Road - Mumbai branch sits at KARIM BUILDING, 56, MOHAMEDALI ROAD,MUMBAI - 400 003.. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 UBIN0531847 and your account number.
Verifying IFSC UBIN0531847 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 UBIN0531847 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 Mohamedali Road - Mumbai branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0531847, however, work 24x7.
Branch address & contact
Union Bank of IndiaMohamedali Road - Mumbai Branch
KARIM BUILDING, 56, MOHAMEDALI ROAD,MUMBAI - 400 003.
Mumbai, Maharashtra
Phone: the branch contact number
IFSC: UBIN0531847
Frequently asked questions
How quickly will an NEFT transfer using UBIN0531847 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Union Bank of India – Mohamedali Road - Mumbai reflect within 30 minutes.
Is IFSC UBIN0531847 valid for NEFT and RTGS?
Yes. IFSC UBIN0531847 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC UBIN0531847 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UBIN0531847 to send funds instantly.
Where is Union Bank of India Mohamedali Road - Mumbai branch located?
Union Bank of India's Mohamedali Road - Mumbai branch is located at KARIM BUILDING, 56, MOHAMEDALI ROAD,MUMBAI - 400 003., Mumbai, Maharashtra.
How do I add Union Bank of India Mohamedali Road - Mumbai as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UBIN0531847, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Union Bank of India Mohamedali Road - Mumbai branch?
You can reach the branch at the branch contact number during regular banking hours.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Mohamedali Road - Mumbai branch but serve different purposes.
Summary
The IFSC code UBIN0531847 belongs to Union Bank of India's MOHAMEDALI ROAD - MUMBAI branch, located at KARIM BUILDING, 56, MOHAMEDALI ROAD,MUMBAI - 400 003. in MUMBAI, MAHARASHTRA. 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.
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