IFSC Code of Union Bank of India, Apgb Prathipadu Branch, Andhra Pradesh

Use this page as a one-stop reference for everything related to Union Bank of India's APGB PRATHIPADU branch in PRATHIPADU, ANDHRA PRADESH. The branch's IFSC code UBIN0CG7086 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 – APGB PRATHIPADU is UBIN0CG7086. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters CG7086 map to this branch in PRATHIPADU, ANDHRA PRADESH.

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 Apgb Prathipadu branch in Prathipadu, Andhra Pradesh is part of this network and uses the IFSC code UBIN0CG7086 for all electronic settlement.

Branch details at a glance

About the Apgb Prathipadu branch

The Apgb Prathipadu branch of Union Bank of India is situated at GROUND FLOOR,MASJID ROAD,NEAR PATA MALLAYAPALEM CENTRE,PRATHIPADU,PRATHIPADU MANDAL. 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 UBIN0CG7086 is used.

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 APGB PRATHIPADU branch came to be assigned the code UBIN0CG7086.

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 UBIN0CG7086, money simply cannot be routed to the APGB PRATHIPADU branch electronically.

Products and account variants supported

Every account opened at the Apgb Prathipadu branch is mapped to IFSC UBIN0CG7086 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 UBIN0CG7086.

Products and services

Customers walking into the Apgb Prathipadu 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 UBIN0CG7086

How to transfer money using IFSC UBIN0CG7086

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 UBIN0CG7086 across all three.

How to use IFSC UBIN0CG7086 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's APGB PRATHIPADU 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 UBIN0CG7086.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as APGB PRATHIPADU.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UBIN0CG7086

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Union Bank of India – APGB PRATHIPADU, ensure your bank's portal accepts IFSC UBIN0CG7086 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Union Bank of India APGB PRATHIPADU (IFSC UBIN0CG7086)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0CG7086 in your mobile or internet banking app, and the money is credited to the APGB PRATHIPADU branch account within seconds.

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

All three modes accept the IFSC UBIN0CG7086 for Union Bank of India – APGB PRATHIPADU, 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 Apgb Prathipadu 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.

UPI payments and IFSC UBIN0CG7086

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 – APGB PRATHIPADU is still mapped to IFSC UBIN0CG7086. 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 UBIN0CG7086 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Apgb Prathipadu 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 UBIN0CG7086 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 & cheque-truncation details

Cheques drawn on the Apgb Prathipadu branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0CG7086 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC UBIN0CG7086

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 – APGB PRATHIPADU, 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: UBIN0CG7086.
• 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.

How to reach the Apgb Prathipadu branch

The branch is located at GROUND FLOOR,MASJID ROAD,NEAR PATA MALLAYAPALEM CENTRE,PRATHIPADU,PRATHIPADU MANDAL, which puts it inside Prathipadu, the broader Guntur district, and the state of Andhra Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India Apgb Prathipadu branch” — the verified location pin for IFSC UBIN0CG7086 should appear at the top of the results.
2. Confirm the branch is open by calling 8632280680 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 UBIN0CG7086 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0CG7086 for Union Bank of India – APGB PRATHIPADU, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Working hours

Branch counters at Apgb Prathipadu 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 UBIN0CG7086 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0CG7086 belongs to Union Bank of India's APGB PRATHIPADU branch, located at GROUND FLOOR,MASJID ROAD,NEAR PATA MALLAYAPALEM CENTRE,PRATHIPADU,PRATHIPADU… in PRATHIPADU, ANDHRA PRADESH. 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.