Use this page as a one-stop reference for everything related to Union Bank of India's APGB R AGRAHARAM branch in R. AGRAHARAM, ANDHRA PRADESH. The branch's IFSC code UBIN0CG7055 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 R AGRAHARAM is UBIN0CG7055. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters CG7055 map to this branch in R. AGRAHARAM, ANDHRA PRADESH.
Branch details at a glance
| Bank Name | Union Bank of India |
|---|---|
| Branch | Apgb R Agraharam |
| IFSC Code | UBIN0CG7055 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NORI HOUSE,D.NO.24 6 1/A B,R.AGRAHARAM ROAD,OPP. SRI VENKATESWARA SWAMY TEMPLE |
| City | R. Agraharam |
| District | Guntur |
| State | Andhra Pradesh |
| STD Code | 0 |
| Phone | 8632260055 |
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 R Agraharam branch in R. Agraharam, Andhra Pradesh is part of this network and uses the IFSC code UBIN0CG7055 for all electronic settlement.
About this branch
The branch is located at NORI HOUSE,D.NO.24 6 1/A B,R.AGRAHARAM ROAD,OPP. SRI VENKATESWARA SWAMY TEMPLE. It serves the R. Agraharam 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 UBIN0CG7055 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 APGB R AGRAHARAM branch came to be assigned the code UBIN0CG7055.
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 UBIN0CG7055, money simply cannot be routed to the APGB R AGRAHARAM branch electronically.
How to transfer money using IFSC UBIN0CG7055
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 UBIN0CG7055 across all three.
NEFT to Union Bank of India, APGB R AGRAHARAM using IFSC UBIN0CG7055
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 UBIN0CG7055, and confirm that the system picks up Union Bank of India – APGB R AGRAHARAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UBIN0CG7055
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 R AGRAHARAM, ensure your bank's portal accepts IFSC UBIN0CG7055 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Union Bank of India – APGB R AGRAHARAM, use IMPS. With IFSC UBIN0CG7055 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UBIN0CG7055 for Union Bank of India – APGB R AGRAHARAM, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – UBIN0CG7055 | Yes – UBIN0CG7055 | Yes – UBIN0CG7055 |
For most retail customers crediting the Apgb R Agraharam 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 UBIN0CG7055
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 R AGRAHARAM is still mapped to IFSC UBIN0CG7055. 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 UBIN0CG7055 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Apgb R Agraharam branch is mapped to IFSC UBIN0CG7055 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 UBIN0CG7055.
Banking services available
The Apgb R Agraharam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8632260055.
- 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 UBIN0CG7055
MICR & cheque-truncation details
Cheques drawn on the Apgb R Agraharam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0CG7055 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Apgb R Agraharam 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 UBIN0CG7055 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.
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 – APGB R AGRAHARAM:
- The IFSC is exactly UBIN0CG7055 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 APGB R AGRAHARAM 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 Apgb R Agraharam branch sits at NORI HOUSE,D.NO.24 6 1/A B,R.AGRAHARAM ROAD,OPP. SRI VENKATESWARA SWAMY TEMPLE. If you are travelling from outside R. Agraharam, search for the branch on a maps application using the bank name and locality, or call 8632260055 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 UBIN0CG7055 and your account number.
Verifying IFSC UBIN0CG7055 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 UBIN0CG7055 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8632260055.
- Visiting the bank's official branch locator page.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Apgb R Agraharam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0CG7055, however, work 24x7.
Branch address & contact
Union Bank of IndiaApgb R Agraharam Branch
NORI HOUSE,D.NO.24 6 1/A B,R.AGRAHARAM ROAD,OPP. SRI VENKATESWARA SWAMY TEMPLE
R. Agraharam, Andhra Pradesh
Phone: 8632260055
IFSC: UBIN0CG7055
Frequently asked questions
What is the IFSC code of Union Bank of India Apgb R Agraharam branch?
The IFSC code of Union Bank of India, Apgb R Agraharam branch is UBIN0CG7055. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UBIN0CG7055 the same for all accounts at Apgb R Agraharam branch?
Yes. The IFSC UBIN0CG7055 is shared by every account held at Union Bank of India's Apgb R Agraharam branch. Only the account number changes from customer to customer.
Where is Union Bank of India Apgb R Agraharam branch located?
Union Bank of India's Apgb R Agraharam branch is located at NORI HOUSE,D.NO.24 6 1/A B,R.AGRAHARAM ROAD,OPP. SRI VENKATESWARA SWAMY TEMPLE, R. Agraharam, Andhra Pradesh.
How do I add Union Bank of India Apgb R Agraharam as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UBIN0CG7055, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Apgb R Agraharam branch but serve different purposes.
Is IFSC UBIN0CG7055 valid for NEFT and RTGS?
Yes. IFSC UBIN0CG7055 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code UBIN0CG7055 belongs to Union Bank of India's APGB R AGRAHARAM branch, located at NORI HOUSE,D.NO.24 6 1/A B,R.AGRAHARAM ROAD,OPP. SRI VENKATESWARA SWAMY TEMPLE in R. AGRAHARAM, 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.
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