IFSC Code of Union Bank of India, Vikhroli ,West - Mumbai Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for Union Bank of India, VIKHROLI ,WEST - MUMBAI branch in MUMBAI. The 11-digit IFSC UBIN0531961 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 VIKHROLI ,WEST - 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Union Bank of India's VIKHROLI ,WEST - MUMBAI branch, the IFSC UBIN0531961 breaks down as follows: UBIN identifies the bank, 0 is the reserved character, and 531961 identifies this particular branch.

Bank profile

Union Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Vikhroli ,West - Mumbai branch — IFSC UBIN0531961 — extends the bank's services to customers in and around Mumbai, Maharashtra.

Branch details at a glance

Vikhroli ,West - Mumbai branch overview

Located at MAHAJAN MILLS COMPOUND,LAL BAHADUR SHASTRI MARG,VIKHROLI (W), MUMBAI - 400 079., the Vikhroli ,West - 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 UBIN0531961 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 VIKHROLI ,WEST - MUMBAI branch came to be assigned the code UBIN0531961.

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 UBIN0531961, money simply cannot be routed to the VIKHROLI ,WEST - MUMBAI branch electronically.

Products and account variants supported

Every account opened at the Vikhroli ,West - Mumbai branch is mapped to IFSC UBIN0531961 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 UBIN0531961.

Banking services available

The Vikhroli ,West - 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 UBIN0531961

How to transfer money using IFSC UBIN0531961

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 UBIN0531961 across all three.

NEFT to Union Bank of India, VIKHROLI ,WEST - MUMBAI using IFSC UBIN0531961

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 UBIN0531961, and confirm that the system picks up Union Bank of India – VIKHROLI ,WEST - MUMBAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to VIKHROLI ,WEST - MUMBAI

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's VIKHROLI ,WEST - MUMBAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0531961 while initiating the transfer and the credit will appear within minutes.

IMPS to Union Bank of India VIKHROLI ,WEST - MUMBAI (IFSC UBIN0531961)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0531961 in your mobile or internet banking app, and the money is credited to the VIKHROLI ,WEST - MUMBAI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Vikhroli ,West - 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 UBIN0531961:

• 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 VIKHROLI ,WEST - MUMBAI is still linked to IFSC UBIN0531961.

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 VIKHROLI ,WEST - MUMBAI branch, the IFSC UBIN0531961 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.

Digital banking channels

Most day-to-day work that customers used to do at the Vikhroli ,West - Mumbai 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 UBIN0531961 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.

MICR & cheque-truncation details

Cheques drawn on the Vikhroli ,West - Mumbai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0531961 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – VIKHROLI ,WEST - MUMBAI:

• The IFSC is exactly UBIN0531961 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 VIKHROLI ,WEST - 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 Vikhroli ,West - Mumbai branch sits at MAHAJAN MILLS COMPOUND,LAL BAHADUR SHASTRI MARG,VIKHROLI (W), MUMBAI - 400 079.. 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 UBIN0531961 and your account number.

Verifying IFSC UBIN0531961 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 UBIN0531961 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 Vikhroli ,West - Mumbai branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0531961, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0531961 belongs to Union Bank of India's VIKHROLI ,WEST - MUMBAI branch, located at MAHAJAN MILLS COMPOUND,LAL BAHADUR SHASTRI MARG,VIKHROLI (W), MUMBAI - 400 079. 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.