Below are the complete branch details for Union Bank of India, PIRAPPANCODE branch, located in POTHENCODE, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is UBIN0544477. 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 UBIN0544477 for Union Bank of India – PIRAPPANCODE — 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 – PIRAPPANCODE is UBIN0544477. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 544477 map to this branch in POTHENCODE, KERALA.
About Union Bank of India
Union Bank of India operates a wide network of branches across India, including the Pirappancode branch in Pothencode. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UBIN0544477.
About the Pirappancode branch
The Pirappancode branch of Union Bank of India is situated at BUILDING NO.MP 585 POST PIRAPPANCODE VIA VENJARAMOOD DIST.TRIVANDRUM KERALA PIN 695607. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code UBIN0544477 is used.
Branch details at a glance
| Bank Name | Union Bank of India |
|---|---|
| Branch | Pirappancode |
| IFSC Code | UBIN0544477 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BUILDING NO.MP 585 POST PIRAPPANCODE VIA VENJARAMOOD DIST.TRIVANDRUM KERALA PIN 695607 |
| City | Pothencode |
| District | Trivandrum |
| State | Kerala |
| Phone | 2582050 |
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 PIRAPPANCODE branch came to be assigned the code UBIN0544477.
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 UBIN0544477, money simply cannot be routed to the PIRAPPANCODE branch electronically.
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 UBIN0544477 and the account number together uniquely identify the Pirappancode branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UBIN0544477
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 UBIN0544477 across all three.
NEFT to Union Bank of India, PIRAPPANCODE using IFSC UBIN0544477
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 UBIN0544477, and confirm that the system picks up Union Bank of India – PIRAPPANCODE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to PIRAPPANCODE
If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's PIRAPPANCODE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0544477 while initiating the transfer and the credit will appear within minutes.
IMPS to Union Bank of India PIRAPPANCODE (IFSC UBIN0544477)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0544477 in your mobile or internet banking app, and the money is credited to the PIRAPPANCODE branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Pirappancode
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 UBIN0544477:
- 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 PIRAPPANCODE is still linked to IFSC UBIN0544477.
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 UBIN0544477
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 – PIRAPPANCODE is still mapped to IFSC UBIN0544477. 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 UBIN0544477 and the beneficiary's account number to complete the transfer.
Account types you can open at the Pirappancode branch
Once you have an account at Union Bank of India – PIRAPPANCODE, the IFSC UBIN0544477 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 Pirappancode 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 UBIN0544477
Online banking and IFSC UBIN0544477
Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the PIRAPPANCODE 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 UBIN0544477 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 Pirappancode branch
The branch is located at BUILDING NO.MP 585 POST PIRAPPANCODE VIA VENJARAMOOD DIST.TRIVANDRUM KERALA PIN 695607, which puts it inside Pothencode, the broader Trivandrum district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Union Bank of India Pirappancode branch” — the verified location pin for IFSC UBIN0544477 should appear at the top of the results.
- Confirm the branch is open by calling 2582050 before stepping out, especially around public holidays.
- 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 UBIN0544477 and your account number.
Common mistakes to avoid when using IFSC UBIN0544477
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 – PIRAPPANCODE, 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:
UBIN0544477. - 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 Pirappancode 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 UBIN0544477 continue to work without interruption.
Verifying IFSC UBIN0544477 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 UBIN0544477 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2582050.
- Visiting the bank's official branch locator page.
Branch address & contact
Union Bank of IndiaPirappancode Branch
BUILDING NO.MP 585 POST PIRAPPANCODE VIA VENJARAMOOD DIST.TRIVANDRUM KERALA PIN 695607
Pothencode, Kerala
Phone: 2582050
IFSC: UBIN0544477
Frequently asked questions
Is IFSC UBIN0544477 valid for NEFT and RTGS?
Yes. IFSC UBIN0544477 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using UBIN0544477 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Union Bank of India – Pirappancode reflect within 30 minutes.
What is the IFSC code of Union Bank of India Pirappancode branch?
The IFSC code of Union Bank of India, Pirappancode branch is UBIN0544477. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does Union Bank of India Pirappancode branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2582050 to confirm.
What is the phone number of Union Bank of India Pirappancode branch?
You can reach the branch at 2582050 during regular banking hours.
Can I use IFSC UBIN0544477 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UBIN0544477 to send funds instantly.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Pirappancode branch but serve different purposes.
Is IFSC UBIN0544477 the same for all accounts at Pirappancode branch?
Yes. The IFSC UBIN0544477 is shared by every account held at Union Bank of India's Pirappancode branch. Only the account number changes from customer to customer.
Summary
The IFSC code UBIN0544477 belongs to Union Bank of India's PIRAPPANCODE branch, located at BUILDING NO.MP 585 POST PIRAPPANCODE VIA VENJARAMOOD DIST.TRIVANDRUM KERALA… in POTHENCODE, 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.
