IFSC Code of Union Bank of India, Panchkula Sector Twenty Five Branch, Haryana

This page lists the IFSC code, branch address, contact number and fund-transfer information for Union Bank of India, PANCHKULA SECTOR TWENTY FIVE branch in PANCHKULA. The 11-digit IFSC UBIN0932078 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 PANCHKULA SECTOR TWENTY FIVE 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 PANCHKULA SECTOR TWENTY FIVE branch, the IFSC UBIN0932078 breaks down as follows: UBIN identifies the bank, 0 is the reserved character, and 932078 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 Panchkula Sector Twenty Five branch in Panchkula, Haryana is part of this network and uses the IFSC code UBIN0932078 for all electronic settlement.

About this branch

The branch is located at SCO 110 SECTOR 25 PANCHKULA HARYANA. It serves the Panchkula 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 UBIN0932078 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 PANCHKULA SECTOR TWENTY FIVE branch came to be assigned the code UBIN0932078.

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 UBIN0932078, money simply cannot be routed to the PANCHKULA SECTOR TWENTY FIVE branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Panchkula Sector Twenty Five branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0932078 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 UBIN0932078

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 UBIN0932078 across all three.

How to use IFSC UBIN0932078 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's PANCHKULA SECTOR TWENTY FIVE 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 UBIN0932078.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as PANCHKULA SECTOR TWENTY FIVE.
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 PANCHKULA SECTOR TWENTY FIVE

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's PANCHKULA SECTOR TWENTY FIVE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0932078 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 – PANCHKULA SECTOR TWENTY FIVE, use IMPS. With IFSC UBIN0932078 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 Panchkula Sector Twenty Five

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 UBIN0932078:

• 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 PANCHKULA SECTOR TWENTY FIVE is still linked to IFSC UBIN0932078.

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 PANCHKULA SECTOR TWENTY FIVE branch, the IFSC UBIN0932078 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 Panchkula Sector Twenty Five branch

Once you have an account at Union Bank of India – PANCHKULA SECTOR TWENTY FIVE, the IFSC UBIN0932078 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 Panchkula Sector Twenty Five 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 UBIN0932078

Digital banking channels

Most day-to-day work that customers used to do at the Panchkula Sector Twenty Five 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 UBIN0932078 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.

How to reach the Panchkula Sector Twenty Five branch

The branch is located at SCO 110 SECTOR 25 PANCHKULA HARYANA, which puts it inside Panchkula, the broader Panchkula district, and the state of Haryana. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India Panchkula Sector Twenty Five branch” — the verified location pin for IFSC UBIN0932078 should appear at the top of the results.
2. Confirm the branch is open by calling 7837876722 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 UBIN0932078 and your account number.

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 – PANCHKULA SECTOR TWENTY FIVE:

• The IFSC is exactly UBIN0932078 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 PANCHKULA SECTOR TWENTY FIVE 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.

Working hours

Branch counters at Panchkula Sector Twenty Five 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 UBIN0932078 continue to work without interruption.

Verifying IFSC UBIN0932078 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 UBIN0932078 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 7837876722.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: UBIN0932078 is the IFSC code of Union Bank of India, PANCHKULA SECTOR TWENTY FIVE branch, in PANCHKULA, HARYANA. 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.