IFSC Code of Union Bank of India, Machharhatta Branch Branch, Bihar

If you are searching for the IFSC code of Union Bank of India, MACHHARHATTA BRANCH branch in PATNA, BIHAR, this page has every detail you need. The verified IFSC code for this branch is UBIN0572683. 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 MACHHARHATTA BRANCH branch, and detailed step-by-step guides for using the IFSC UBIN0572683 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, UBIN0572683 is the IFSC of Union Bank of India's MACHHARHATTA BRANCH branch. The format is fixed: UBIN = bank code, 0 = reserved, 572683 = branch identifier.

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 Machharhatta Branch branch in Patna, Bihar is part of this network and uses the IFSC code UBIN0572683 for all electronic settlement.

Branch details at a glance

Machharhatta Branch branch overview

Located at GP MARKET ASHOK RAJPATHPHULAURIGANJ BIHAR PINCODE 800008, the Machharhatta Branch branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UBIN0572683 is required for all interbank electronic transfers routed through this branch.

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 MACHHARHATTA BRANCH branch came to be assigned the code UBIN0572683.

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 UBIN0572683, money simply cannot be routed to the MACHHARHATTA BRANCH branch electronically.

Products and account variants supported

Every account opened at the Machharhatta Branch branch is mapped to IFSC UBIN0572683 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 UBIN0572683.

Products and services

Customers walking into the Machharhatta Branch 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 UBIN0572683

How to transfer money using IFSC UBIN0572683

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 UBIN0572683 across all three.

NEFT to Union Bank of India, MACHHARHATTA BRANCH using IFSC UBIN0572683

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 UBIN0572683, and confirm that the system picks up Union Bank of India – MACHHARHATTA BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MACHHARHATTA BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's MACHHARHATTA BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0572683 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 – MACHHARHATTA BRANCH, use IMPS. With IFSC UBIN0572683 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 Machharhatta Branch

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 UBIN0572683:

• 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 MACHHARHATTA BRANCH is still linked to IFSC UBIN0572683.

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 UBIN0572683

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 – MACHHARHATTA BRANCH is still mapped to IFSC UBIN0572683. 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 UBIN0572683 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UBIN0572683

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the MACHHARHATTA BRANCH 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 UBIN0572683 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.

MICR & cheque-truncation details

Cheques drawn on the Machharhatta Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0572683 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – MACHHARHATTA BRANCH:

• The IFSC is exactly UBIN0572683 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 MACHHARHATTA BRANCH 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 Machharhatta Branch branch sits at GP MARKET ASHOK RAJPATHPHULAURIGANJ BIHAR PINCODE 800008. If you are travelling from outside Patna, search for the branch on a maps application using the bank name and locality, or call 8294334589 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 UBIN0572683 and your account number.

Verifying IFSC UBIN0572683 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 UBIN0572683 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8294334589.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Machharhatta Branch 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 UBIN0572683 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0572683 belongs to Union Bank of India's MACHHARHATTA BRANCH branch, located at GP MARKET ASHOK RAJPATHPHULAURIGANJ BIHAR PINCODE 800008 in PATNA, BIHAR. 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.