IFSC Code of Union Bank of India, Gandhi Nagar Branch, Karnataka

Below are the complete branch details for Union Bank of India, GANDHI NAGAR branch, located in RAICHUR, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is UBIN0828653. 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 UBIN0828653 for Union Bank of India – GANDHI NAGAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, UBIN0828653 is the IFSC of Union Bank of India's GANDHI NAGAR branch. The format is fixed: UBIN = bank code, 0 = reserved, 828653 = branch identifier.

Branch details at a glance

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 Gandhi Nagar branch in Raichur, Karnataka is part of this network and uses the IFSC code UBIN0828653 for all electronic settlement.

About the Gandhi Nagar branch

The Gandhi Nagar branch of Union Bank of India is situated at I FLOOR,DOOR NO 305,OPP.ANJENAYA SWAMI TEMGANDHI NAGAR,SINDHANUR TALUK,RAICHUR DIST. 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 UBIN0828653 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 GANDHI NAGAR branch came to be assigned the code UBIN0828653.

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 UBIN0828653, money simply cannot be routed to the GANDHI NAGAR branch electronically.

How to transfer money using IFSC UBIN0828653

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 UBIN0828653 across all three.

How to use IFSC UBIN0828653 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's GANDHI NAGAR 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 UBIN0828653.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as GANDHI NAGAR.
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 UBIN0828653

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 – GANDHI NAGAR, ensure your bank's portal accepts IFSC UBIN0828653 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Union Bank of India GANDHI NAGAR (IFSC UBIN0828653)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0828653 in your mobile or internet banking app, and the money is credited to the GANDHI NAGAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Gandhi Nagar

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 UBIN0828653:

• 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 GANDHI NAGAR is still linked to IFSC UBIN0828653.

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 UBIN0828653

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 – GANDHI NAGAR is still mapped to IFSC UBIN0828653. 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 UBIN0828653 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Gandhi Nagar branch is mapped to IFSC UBIN0828653 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 UBIN0828653.

Banking services available

The Gandhi Nagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8535-8535270003.

• 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 UBIN0828653

MICR & cheque-truncation details

Cheques drawn on the Gandhi Nagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0828653 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC UBIN0828653

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the GANDHI NAGAR 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 UBIN0828653 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.

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 – GANDHI NAGAR:

• The IFSC is exactly UBIN0828653 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 GANDHI NAGAR 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 Gandhi Nagar branch sits at I FLOOR,DOOR NO 305,OPP.ANJENAYA SWAMI TEMGANDHI NAGAR,SINDHANUR TALUK,RAICHUR DIST. If you are travelling from outside Raichur, search for the branch on a maps application using the bank name and locality, or call 8535-8535270003 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 UBIN0828653 and your account number.

Verifying IFSC UBIN0828653 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 UBIN0828653 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8535-8535270003.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Gandhi Nagar 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 UBIN0828653 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0828653 belongs to Union Bank of India's GANDHI NAGAR branch, located at I FLOOR,DOOR NO 305,OPP.ANJENAYA SWAMI TEMGANDHI NAGAR,SINDHANUR TALUK,RAICHUR… in RAICHUR, KARNATAKA. 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.