IFSC Code of Union Bank of India, Ramphal Chowk Sector Seven Branch, Delhi

If you are searching for the IFSC code of Union Bank of India, RAMPHAL CHOWK SECTOR SEVEN branch in NEW DELHI, DELHI, this page has every detail you need. The verified IFSC code for this branch is UBIN0827291. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the RAMPHAL CHOWK SECTOR SEVEN branch, and detailed step-by-step guides for using the IFSC UBIN0827291 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 RAMPHAL CHOWK SECTOR SEVEN branch, the IFSC UBIN0827291 breaks down as follows: UBIN identifies the bank, 0 is the reserved character, and 827291 identifies this particular branch.

About the bank

Union Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ramphal Chowk Sector Seven branch in New Delhi, Delhi is part of this network and uses the IFSC code UBIN0827291 for all electronic settlement.

About this branch

The branch is located at E 595 596,PARAM EXT,RAMPHAL CHOWK,DWARAKA SECTOR 7,NEW DELHI,110045. It serves the New Delhi 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 UBIN0827291 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 RAMPHAL CHOWK SECTOR SEVEN branch came to be assigned the code UBIN0827291.

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 UBIN0827291, money simply cannot be routed to the RAMPHAL CHOWK SECTOR SEVEN branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Ramphal Chowk Sector Seven branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0827291 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 UBIN0827291

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 UBIN0827291 across all three.

NEFT to Union Bank of India, RAMPHAL CHOWK SECTOR SEVEN using IFSC UBIN0827291

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 UBIN0827291, and confirm that the system picks up Union Bank of India – RAMPHAL CHOWK SECTOR SEVEN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to RAMPHAL CHOWK SECTOR SEVEN

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's RAMPHAL CHOWK SECTOR SEVEN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0827291 while initiating the transfer and the credit will appear within minutes.

IMPS to Union Bank of India RAMPHAL CHOWK SECTOR SEVEN (IFSC UBIN0827291)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0827291 in your mobile or internet banking app, and the money is credited to the RAMPHAL CHOWK SECTOR SEVEN branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ramphal Chowk Sector Seven

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 UBIN0827291:

• 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 RAMPHAL CHOWK SECTOR SEVEN is still linked to IFSC UBIN0827291.

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 RAMPHAL CHOWK SECTOR SEVEN branch, the IFSC UBIN0827291 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 Ramphal Chowk Sector Seven branch

Once you have an account at Union Bank of India – RAMPHAL CHOWK SECTOR SEVEN, the IFSC UBIN0827291 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.

Banking services available

The Ramphal Chowk Sector Seven branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 11-1125071172.

• 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 UBIN0827291

Online banking and IFSC UBIN0827291

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the RAMPHAL CHOWK SECTOR SEVEN 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 UBIN0827291 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 Ramphal Chowk Sector Seven branch

The branch is located at E 595 596,PARAM EXT,RAMPHAL CHOWK,DWARAKA SECTOR 7,NEW DELHI,110045, which puts it inside New Delhi, the broader South-West Delhi district, and the state of Delhi. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India Ramphal Chowk Sector Seven branch” — the verified location pin for IFSC UBIN0827291 should appear at the top of the results.
2. Confirm the branch is open by calling 11-1125071172 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 UBIN0827291 and your account number.

Common mistakes to avoid when using IFSC UBIN0827291

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Union Bank of India – RAMPHAL CHOWK SECTOR SEVEN, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: UBIN0827291.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Working hours

Branch counters at Ramphal Chowk Sector Seven 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 UBIN0827291 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0827291 for Union Bank of India – RAMPHAL CHOWK SECTOR SEVEN, 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.

Branch address & contact

Frequently asked questions

Final notes

To recap: UBIN0827291 is the IFSC code of Union Bank of India, RAMPHAL CHOWK SECTOR SEVEN branch, in NEW DELHI, DELHI. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.