IFSC Code of Union Bank of India, Kottar Nagercoil Branch, Tamil Nadu

This page lists the IFSC code, branch address, contact number and fund-transfer information for Union Bank of India, KOTTAR NAGERCOIL branch in NAGERCOIL. The 11-digit IFSC UBIN0574457 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 KOTTAR NAGERCOIL 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 KOTTAR NAGERCOIL branch, the IFSC UBIN0574457 breaks down as follows: UBIN identifies the bank, 0 is the reserved character, and 574457 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 Kottar Nagercoil branch — IFSC UBIN0574457 — extends the bank's services to customers in and around Nagercoil, Tamil Nadu.

Branch details at a glance

About this branch

The branch is located at 72 KP ROAD CHETTIKULAM JUNC NAGERCOIL TAMIL NADU PINCODE629002. It serves the Nagercoil 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 UBIN0574457 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 KOTTAR NAGERCOIL branch came to be assigned the code UBIN0574457.

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 UBIN0574457, money simply cannot be routed to the KOTTAR NAGERCOIL branch electronically.

Account types you can open at the Kottar Nagercoil branch

Once you have an account at Union Bank of India – KOTTAR NAGERCOIL, the IFSC UBIN0574457 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.

Products and services

Customers walking into the Kottar Nagercoil 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 UBIN0574457

How to transfer money using IFSC UBIN0574457

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 UBIN0574457 across all three.

NEFT to Union Bank of India, KOTTAR NAGERCOIL using IFSC UBIN0574457

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 UBIN0574457, and confirm that the system picks up Union Bank of India – KOTTAR NAGERCOIL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KOTTAR NAGERCOIL

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's KOTTAR NAGERCOIL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0574457 while initiating the transfer and the credit will appear within minutes.

IMPS to Union Bank of India KOTTAR NAGERCOIL (IFSC UBIN0574457)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0574457 in your mobile or internet banking app, and the money is credited to the KOTTAR NAGERCOIL branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UBIN0574457 for Union Bank of India – KOTTAR NAGERCOIL, 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.

For most retail customers crediting the Kottar Nagercoil 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.

UPI payments and IFSC UBIN0574457

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Union Bank of India – KOTTAR NAGERCOIL is still mapped to IFSC UBIN0574457. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC UBIN0574457 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UBIN0574457

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the KOTTAR NAGERCOIL 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 UBIN0574457 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 & cheque-truncation details

Cheques drawn on the Kottar Nagercoil branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0574457 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 – KOTTAR NAGERCOIL:

• The IFSC is exactly UBIN0574457 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 KOTTAR NAGERCOIL 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 Kottar Nagercoil branch sits at 72 KP ROAD CHETTIKULAM JUNC NAGERCOIL TAMIL NADU PINCODE629002. If you are travelling from outside Nagercoil, search for the branch on a maps application using the bank name and locality, or call 2265-8220520728 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 UBIN0574457 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0574457 for Union Bank of India – KOTTAR NAGERCOIL, 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.

Working hours

Branch counters at Kottar Nagercoil 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 UBIN0574457 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0574457 belongs to Union Bank of India's KOTTAR NAGERCOIL branch, located at 72 KP ROAD CHETTIKULAM JUNC NAGERCOIL TAMIL NADU PINCODE629002 in NAGERCOIL, TAMIL NADU. 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.