IFSC Code of Union Bank of India, Nariman Point Mumbai Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for Union Bank of India, NARIMAN POINT MUMBAI branch in MUMBAI. The 11-digit IFSC UBIN0902217 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Union Bank of India at the NARIMAN POINT MUMBAI location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 – NARIMAN POINT MUMBAI is UBIN0902217. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 902217 map to this branch in MUMBAI, MAHARASHTRA.

About Union Bank of India

Union Bank of India operates a wide network of branches across India, including the Nariman Point Mumbai branch in Mumbai. 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, UBIN0902217.

Nariman Point Mumbai branch overview

Located at UNION BANK OF INDIA,IST FLOOR,EARNEST HOUSE,NARIMAN POINT MUMBAI400 021, the Nariman Point Mumbai branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UBIN0902217 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 NARIMAN POINT MUMBAI of Union Bank of India — its own 11-character IFSC. The code UBIN0902217 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 UBIN0902217 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 Nariman Point Mumbai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0902217 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 UBIN0902217

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 UBIN0902217 across all three.

NEFT to Union Bank of India, NARIMAN POINT MUMBAI using IFSC UBIN0902217

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 UBIN0902217, and confirm that the system picks up Union Bank of India – NARIMAN POINT MUMBAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UBIN0902217

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 – NARIMAN POINT MUMBAI, ensure your bank's portal accepts IFSC UBIN0902217 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Union Bank of India – NARIMAN POINT MUMBAI, use IMPS. With IFSC UBIN0902217 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 Nariman Point Mumbai

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 UBIN0902217:

• 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 NARIMAN POINT MUMBAI is still linked to IFSC UBIN0902217.

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 NARIMAN POINT MUMBAI branch, the IFSC UBIN0902217 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.

Products and account variants supported

Every account opened at the Nariman Point Mumbai branch is mapped to IFSC UBIN0902217 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 UBIN0902217.

Products and services

Customers walking into the Nariman Point Mumbai 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 UBIN0902217

Online banking and IFSC UBIN0902217

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the NARIMAN POINT 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 UBIN0902217 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 Nariman Point Mumbai branch

The branch is located at UNION BANK OF INDIA,IST FLOOR,EARNEST HOUSE,NARIMAN POINT MUMBAI400 021, which puts it inside Mumbai, the broader Greater Bombay district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India Nariman Point Mumbai branch” — the verified location pin for IFSC UBIN0902217 should appear at the top of the results.
2. Confirm the branch is open by calling 0 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 UBIN0902217 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 – NARIMAN POINT MUMBAI:

• The IFSC is exactly UBIN0902217 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 NARIMAN POINT 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.

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 Nariman Point Mumbai branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0902217, however, work 24x7.

Verifying IFSC UBIN0902217 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 UBIN0902217 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 0.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0902217 belongs to Union Bank of India's NARIMAN POINT MUMBAI branch, located at UNION BANK OF INDIA,IST FLOOR,EARNEST HOUSE,NARIMAN POINT MUMBAI400 021 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.