IFSC Code of Union Bank of India, Sri Ramakrishna Degree College Branch, Andhra Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Union Bank of India, SRI RAMAKRISHNA DEGREE COLLEGE branch in NANDYAL. The 11-digit IFSC UBIN0815233 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 SRI RAMAKRISHNA DEGREE COLLEGE 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 SRI RAMAKRISHNA DEGREE COLLEGE branch, the IFSC UBIN0815233 breaks down as follows: UBIN identifies the bank, 0 is the reserved character, and 815233 identifies this particular branch.

Branch details at a glance

Bank profile

Union Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Sri Ramakrishna Degree College branch — IFSC UBIN0815233 — extends the bank's services to customers in and around Nandyal, Andhra Pradesh.

About this branch

The branch is located at SRI RAMAKRISHNA DEGREE COLLEGE BRANCHSRINIVASA NAGAR,NANDYAL. It serves the Nandyal 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 UBIN0815233 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 SRI RAMAKRISHNA DEGREE COLLEGE branch came to be assigned the code UBIN0815233.

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 UBIN0815233, money simply cannot be routed to the SRI RAMAKRISHNA DEGREE COLLEGE branch electronically.

How to transfer money using IFSC UBIN0815233

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 UBIN0815233 across all three.

NEFT to Union Bank of India, SRI RAMAKRISHNA DEGREE COLLEGE using IFSC UBIN0815233

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 UBIN0815233, and confirm that the system picks up Union Bank of India – SRI RAMAKRISHNA DEGREE COLLEGE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SRI RAMAKRISHNA DEGREE COLLEGE

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's SRI RAMAKRISHNA DEGREE COLLEGE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0815233 while initiating the transfer and the credit will appear within minutes.

IMPS to Union Bank of India SRI RAMAKRISHNA DEGREE COLLEGE (IFSC UBIN0815233)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0815233 in your mobile or internet banking app, and the money is credited to the SRI RAMAKRISHNA DEGREE COLLEGE branch account within seconds.

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

All three modes accept the IFSC UBIN0815233 for Union Bank of India – SRI RAMAKRISHNA DEGREE COLLEGE, 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 Sri Ramakrishna Degree College 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 SRI RAMAKRISHNA DEGREE COLLEGE branch, the IFSC UBIN0815233 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.

Account types you can open at the Sri Ramakrishna Degree College branch

Once you have an account at Union Bank of India – SRI RAMAKRISHNA DEGREE COLLEGE, the IFSC UBIN0815233 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 Sri Ramakrishna Degree College 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 UBIN0815233

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 UBIN0815233 and the account number together uniquely identify the Sri Ramakrishna Degree College branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Sri Ramakrishna Degree College 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 UBIN0815233 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.

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 – SRI RAMAKRISHNA DEGREE COLLEGE:

• The IFSC is exactly UBIN0815233 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 SRI RAMAKRISHNA DEGREE COLLEGE 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 Sri Ramakrishna Degree College branch sits at SRI RAMAKRISHNA DEGREE COLLEGE BRANCHSRINIVASA NAGAR,NANDYAL. If you are travelling from outside Nandyal, search for the branch on a maps application using the bank name and locality, or call 8514225933 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 UBIN0815233 and your account number.

Verifying IFSC UBIN0815233 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 UBIN0815233 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8514225933.
• 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 Sri Ramakrishna Degree College branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0815233, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0815233 belongs to Union Bank of India's SRI RAMAKRISHNA DEGREE COLLEGE branch, located at SRI RAMAKRISHNA DEGREE COLLEGE BRANCHSRINIVASA NAGAR,NANDYAL in NANDYAL, ANDHRA PRADESH. 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.