IFSC Code of Union Bank of India, Kharghar Central Park Branch, Maharashtra

If you are searching for the IFSC code of Union Bank of India, KHARGHAR CENTRAL PARK branch in RAIGAD, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is UBIN0829731. 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 KHARGHAR CENTRAL PARK branch, and detailed step-by-step guides for using the IFSC UBIN0829731 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Union Bank of India's KHARGHAR CENTRAL PARK branch, the IFSC UBIN0829731 breaks down as follows: UBIN identifies the bank, 0 is the reserved character, and 829731 identifies this particular branch.

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 Kharghar Central Park branch in Raigad, Maharashtra is part of this network and uses the IFSC code UBIN0829731 for all electronic settlement.

About the Kharghar Central Park branch

The Kharghar Central Park branch of Union Bank of India is situated at SHOP NO.1 TO 3,SAI MIRACLE,PLOT NO.16,17,19SECTOR 35E,CENTRAL PARK,KHARGHAR,RAIGAD,MH. 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 UBIN0829731 is used.

Branch details at a glance

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 KHARGHAR CENTRAL PARK branch came to be assigned the code UBIN0829731.

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 UBIN0829731, money simply cannot be routed to the KHARGHAR CENTRAL PARK branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Kharghar Central Park branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0829731 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC UBIN0829731

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 UBIN0829731 across all three.

NEFT to Union Bank of India, KHARGHAR CENTRAL PARK using IFSC UBIN0829731

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 UBIN0829731, and confirm that the system picks up Union Bank of India – KHARGHAR CENTRAL PARK. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KHARGHAR CENTRAL PARK

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's KHARGHAR CENTRAL PARK branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0829731 while initiating the transfer and the credit will appear within minutes.

IMPS to Union Bank of India KHARGHAR CENTRAL PARK (IFSC UBIN0829731)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0829731 in your mobile or internet banking app, and the money is credited to the KHARGHAR CENTRAL PARK branch account within seconds.

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

All three modes accept the IFSC UBIN0829731 for Union Bank of India – KHARGHAR CENTRAL PARK, 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 Kharghar Central Park 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 UBIN0829731

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 – KHARGHAR CENTRAL PARK is still mapped to IFSC UBIN0829731. 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 UBIN0829731 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kharghar Central Park branch is mapped to IFSC UBIN0829731 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 UBIN0829731.

Banking services available

The Kharghar Central Park branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8828682973.

• 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 UBIN0829731

Online banking and IFSC UBIN0829731

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the KHARGHAR CENTRAL PARK 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 UBIN0829731 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.

Reaching the branch

The Kharghar Central Park branch sits at SHOP NO.1 TO 3,SAI MIRACLE,PLOT NO.16,17,19SECTOR 35E,CENTRAL PARK,KHARGHAR,RAIGAD,MH. If you are travelling from outside Raigad, search for the branch on a maps application using the bank name and locality, or call 8828682973 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 UBIN0829731 and your account number.

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 – KHARGHAR CENTRAL PARK:

• The IFSC is exactly UBIN0829731 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 KHARGHAR CENTRAL PARK 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.

Working hours

Branch counters at Kharghar Central Park 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 UBIN0829731 continue to work without interruption.

Verifying IFSC UBIN0829731 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 UBIN0829731 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8828682973.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: UBIN0829731 is the IFSC code of Union Bank of India, KHARGHAR CENTRAL PARK branch, in RAIGAD, MAHARASHTRA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.