IFSC Code of Union Bank of India, Hemambikanagar - Palakkad,Palghat Branch, Kerala

Below are the complete branch details for Union Bank of India, HEMAMBIKANAGAR - PALAKKAD,PALGHAT branch, located in PALAKKAD, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is UBIN0547891. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UBIN0547891 for Union Bank of India – HEMAMBIKANAGAR - PALAKKAD,PALGHAT — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 HEMAMBIKANAGAR - PALAKKAD,PALGHAT branch, the IFSC UBIN0547891 breaks down as follows: UBIN identifies the bank, 0 is the reserved character, and 547891 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 Hemambikanagar - Palakkad,Palghat branch — IFSC UBIN0547891 — extends the bank's services to customers in and around Palakkad, Kerala.

About this branch

The branch is located at THRIPUTI BLDG., OPP.KENDRIYA VIDYALAYA,HEMAMBIKANAGAR, DIST. PALGHAT,KERALA, PIN - 678 009.. It serves the Palakkad 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 UBIN0547891 is used to identify this branch on the RBI payments network.

Why every Union Bank of India branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including HEMAMBIKANAGAR - PALAKKAD,PALGHAT of Union Bank of India — its own 11-character IFSC. The code UBIN0547891 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC UBIN0547891 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC UBIN0547891

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 UBIN0547891 across all three.

How to use IFSC UBIN0547891 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's HEMAMBIKANAGAR - PALAKKAD,PALGHAT 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UBIN0547891.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as HEMAMBIKANAGAR - PALAKKAD,PALGHAT.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to HEMAMBIKANAGAR - PALAKKAD,PALGHAT

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's HEMAMBIKANAGAR - PALAKKAD,PALGHAT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0547891 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Union Bank of India – HEMAMBIKANAGAR - PALAKKAD,PALGHAT, use IMPS. With IFSC UBIN0547891 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Hemambikanagar - Palakkad,Palghat

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 UBIN0547891:

• 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 HEMAMBIKANAGAR - PALAKKAD,PALGHAT is still linked to IFSC UBIN0547891.

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.

UPI payments and IFSC UBIN0547891

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 – HEMAMBIKANAGAR - PALAKKAD,PALGHAT is still mapped to IFSC UBIN0547891. 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 UBIN0547891 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Hemambikanagar - Palakkad,Palghat branch is mapped to IFSC UBIN0547891 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 UBIN0547891.

Banking services available

The Hemambikanagar - Palakkad,Palghat 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 UBIN0547891

MICR & cheque-truncation details

Cheques drawn on the Hemambikanagar - Palakkad,Palghat branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0547891 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Hemambikanagar - Palakkad,Palghat 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 UBIN0547891 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 – HEMAMBIKANAGAR - PALAKKAD,PALGHAT:

• The IFSC is exactly UBIN0547891 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 HEMAMBIKANAGAR - PALAKKAD,PALGHAT 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 Hemambikanagar - Palakkad,Palghat branch sits at THRIPUTI BLDG., OPP.KENDRIYA VIDYALAYA,HEMAMBIKANAGAR, DIST. PALGHAT,KERALA, PIN - 678 009.. If you are travelling from outside Palakkad, 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 UBIN0547891 and your account number.

Verifying IFSC UBIN0547891 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 UBIN0547891 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.

Working hours

Branch counters at Hemambikanagar - Palakkad,Palghat 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 UBIN0547891 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0547891 belongs to Union Bank of India's HEMAMBIKANAGAR - PALAKKAD,PALGHAT branch, located at THRIPUTI BLDG., OPP.KENDRIYA VIDYALAYA,HEMAMBIKANAGAR, DIST. PALGHAT,KERALA,… in PALAKKAD, KERALA. 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.