IFSC Code of Union Bank of India, Pampady Branch, Kerala

Below are the complete branch details for Union Bank of India, PAMPADY branch, located in PAMPADY, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is UBIN0930229. 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 UBIN0930229 for Union Bank of India – PAMPADY — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Union Bank of India – PAMPADY is UBIN0930229. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 930229 map to this branch in PAMPADY, KERALA.

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 Pampady branch in Pampady, Kerala is part of this network and uses the IFSC code UBIN0930229 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at SY NO 75 3 1 BLOCK 39 VELLILAVUNKAL BLDG OPP SUPPLY CO SUPER MARKET NH 220 PAMPADY 686502 KERALA. It serves the Pampady 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 UBIN0930229 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 PAMPADY branch came to be assigned the code UBIN0930229.

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 UBIN0930229, money simply cannot be routed to the PAMPADY branch electronically.

Account types you can open at the Pampady branch

Once you have an account at Union Bank of India – PAMPADY, the IFSC UBIN0930229 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 Pampady branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 481-2508090.

• 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 UBIN0930229

How to transfer money using IFSC UBIN0930229

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 UBIN0930229 across all three.

NEFT to Union Bank of India, PAMPADY using IFSC UBIN0930229

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 UBIN0930229, and confirm that the system picks up Union Bank of India – PAMPADY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to PAMPADY

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's PAMPADY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0930229 while initiating the transfer and the credit will appear within minutes.

IMPS to Union Bank of India PAMPADY (IFSC UBIN0930229)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0930229 in your mobile or internet banking app, and the money is credited to the PAMPADY branch account within seconds.

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

All three modes accept the IFSC UBIN0930229 for Union Bank of India – PAMPADY, 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 Pampady 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 PAMPADY branch, the IFSC UBIN0930229 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.

Digital banking channels

Most day-to-day work that customers used to do at the Pampady 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 UBIN0930229 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.

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 UBIN0930229 and the account number together uniquely identify the Pampady branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – PAMPADY:

• The IFSC is exactly UBIN0930229 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 PAMPADY 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.

How to reach the Pampady branch

The branch is located at SY NO 75 3 1 BLOCK 39 VELLILAVUNKAL BLDG OPP SUPPLY CO SUPER MARKET NH 220 PAMPADY 686502 KERALA, which puts it inside Pampady, the broader Kottayam district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India Pampady branch” — the verified location pin for IFSC UBIN0930229 should appear at the top of the results.
2. Confirm the branch is open by calling 481-2508090 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 UBIN0930229 and your account number.

Verifying IFSC UBIN0930229 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 UBIN0930229 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 481-2508090.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Pampady 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 UBIN0930229 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0930229 belongs to Union Bank of India's PAMPADY branch, located at SY NO 75 3 1 BLOCK 39 VELLILAVUNKAL BLDG OPP SUPPLY CO SUPER MARKET NH 220… in PAMPADY, 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.