This page lists the IFSC code, branch address, contact number and fund-transfer information for Union Bank of India, MUTHA branch in MUTHA. The 11-digit IFSC UBIN0547492 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 MUTHA 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 MUTHA branch, the IFSC UBIN0547492 breaks down as follows: UBIN identifies the bank, 0 is the reserved character, and 547492 identifies this particular branch.
About Union Bank of India
Union Bank of India operates a wide network of branches across India, including the Mutha branch in Mutha. 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, UBIN0547492.
About this branch
The branch is located at AT POST MUTHA TALUKA MULSHI ADDRESS LINE2 DIST PUNE PIN 411004.MAHARASHTRA. It serves the Mutha 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 UBIN0547492 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Union Bank of India |
|---|---|
| Branch | Mutha |
| IFSC Code | UBIN0547492 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT POST MUTHA TALUKA MULSHI ADDRESS LINE2 DIST PUNE PIN 411004.MAHARASHTRA |
| City | Mutha |
| District | Pune |
| State | Maharashtra |
| Phone | 22964002 |
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 MUTHA branch came to be assigned the code UBIN0547492.
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 UBIN0547492, money simply cannot be routed to the MUTHA branch electronically.
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 UBIN0547492 and the account number together uniquely identify the Mutha branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UBIN0547492
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 UBIN0547492 across all three.
How to use IFSC UBIN0547492 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's MUTHA 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 UBIN0547492.
- Confirm the bank name auto-populates as Union Bank of India and the branch as MUTHA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UBIN0547492
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 – MUTHA, ensure your bank's portal accepts IFSC UBIN0547492 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Union Bank of India MUTHA (IFSC UBIN0547492)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0547492 in your mobile or internet banking app, and the money is credited to the MUTHA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UBIN0547492 for Union Bank of India – MUTHA, 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 – UBIN0547492 | Yes – UBIN0547492 | Yes – UBIN0547492 |
For most retail customers crediting the Mutha 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 MUTHA branch, the IFSC UBIN0547492 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 Mutha branch is mapped to IFSC UBIN0547492 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 UBIN0547492.
Products and services
Customers walking into the Mutha 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 UBIN0547492
Online banking and IFSC UBIN0547492
Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the MUTHA 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 UBIN0547492 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 Mutha branch
The branch is located at AT POST MUTHA TALUKA MULSHI ADDRESS LINE2 DIST PUNE PIN 411004.MAHARASHTRA, which puts it inside Mutha, the broader Pune district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “Union Bank of India Mutha branch” — the verified location pin for IFSC UBIN0547492 should appear at the top of the results.
- Confirm the branch is open by calling 22964002 before stepping out, especially around public holidays.
- 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 UBIN0547492 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 – MUTHA:
- The IFSC is exactly UBIN0547492 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 MUTHA 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 Mutha branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0547492, however, work 24x7.
Verifying IFSC UBIN0547492 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 UBIN0547492 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22964002.
- Visiting the bank's official branch locator page.
Branch address & contact
Union Bank of IndiaMutha Branch
AT POST MUTHA TALUKA MULSHI ADDRESS LINE2 DIST PUNE PIN 411004.MAHARASHTRA
Mutha, Maharashtra
Phone: 22964002
IFSC: UBIN0547492
Frequently asked questions
Is IFSC UBIN0547492 the same for all accounts at Mutha branch?
Yes. The IFSC UBIN0547492 is shared by every account held at Union Bank of India's Mutha branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using UBIN0547492 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Union Bank of India – Mutha reflect within 30 minutes.
Can I use IFSC UBIN0547492 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UBIN0547492 to send funds instantly.
Where is Union Bank of India Mutha branch located?
Union Bank of India's Mutha branch is located at AT POST MUTHA TALUKA MULSHI ADDRESS LINE2 DIST PUNE PIN 411004.MAHARASHTRA, Mutha, Maharashtra.
What is the IFSC code of Union Bank of India Mutha branch?
The IFSC code of Union Bank of India, Mutha branch is UBIN0547492. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Mutha branch but serve different purposes.
Is IFSC UBIN0547492 valid for NEFT and RTGS?
Yes. IFSC UBIN0547492 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code UBIN0547492 belongs to Union Bank of India's MUTHA branch, located at AT POST MUTHA TALUKA MULSHI ADDRESS LINE2 DIST PUNE PIN 411004.MAHARASHTRA in MUTHA, 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.
