IFSC Code of Union Bank of India, Prakashnagar Rajahmundry Branch, Andhra Pradesh

If you are searching for the IFSC code of Union Bank of India, PRAKASHNAGAR RAJAHMUNDRY branch in RAJAHMUNDRY, ANDHRA PRADESH, this page has every detail you need. The verified IFSC code for this branch is UBIN0804461. 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 PRAKASHNAGAR RAJAHMUNDRY branch, and detailed step-by-step guides for using the IFSC UBIN0804461 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.

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 – PRAKASHNAGAR RAJAHMUNDRY is UBIN0804461. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 804461 map to this branch in RAJAHMUNDRY, ANDHRA PRADESH.

About Union Bank of India

Union Bank of India operates a wide network of branches across India, including the Prakashnagar Rajahmundry branch in Rajahmundry. 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, UBIN0804461.

Branch details at a glance

Prakashnagar Rajahmundry branch overview

Located at HNO 74-09-10 PRAKASHNAGARRAJAHMUNDRY,E.G.DIST,AP, the Prakashnagar Rajahmundry branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UBIN0804461 is required for all interbank electronic transfers routed through this branch.

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 PRAKASHNAGAR RAJAHMUNDRY branch came to be assigned the code UBIN0804461.

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 UBIN0804461, money simply cannot be routed to the PRAKASHNAGAR RAJAHMUNDRY branch electronically.

Products and account variants supported

Every account opened at the Prakashnagar Rajahmundry branch is mapped to IFSC UBIN0804461 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 UBIN0804461.

Banking services available

The Prakashnagar Rajahmundry branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8832467572.

• 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 UBIN0804461

How to transfer money using IFSC UBIN0804461

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 UBIN0804461 across all three.

How to use IFSC UBIN0804461 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's PRAKASHNAGAR RAJAHMUNDRY 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 UBIN0804461.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as PRAKASHNAGAR RAJAHMUNDRY.
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 UBIN0804461

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 – PRAKASHNAGAR RAJAHMUNDRY, ensure your bank's portal accepts IFSC UBIN0804461 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 – PRAKASHNAGAR RAJAHMUNDRY, use IMPS. With IFSC UBIN0804461 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 UBIN0804461 for Union Bank of India – PRAKASHNAGAR RAJAHMUNDRY, 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 Prakashnagar Rajahmundry 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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Union Bank of India's PRAKASHNAGAR RAJAHMUNDRY branch, the IFSC UBIN0804461 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Online banking and IFSC UBIN0804461

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the PRAKASHNAGAR RAJAHMUNDRY 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 UBIN0804461 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.

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 UBIN0804461 and the account number together uniquely identify the Prakashnagar Rajahmundry branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC UBIN0804461

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 – PRAKASHNAGAR RAJAHMUNDRY, 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: UBIN0804461.
• 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 Prakashnagar Rajahmundry branch

The branch is located at HNO 74-09-10 PRAKASHNAGARRAJAHMUNDRY,E.G.DIST,AP, which puts it inside Rajahmundry, the broader East Godavari 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 Prakashnagar Rajahmundry branch” — the verified location pin for IFSC UBIN0804461 should appear at the top of the results.
2. Confirm the branch is open by calling 8832467572 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 UBIN0804461 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0804461 for Union Bank of India – PRAKASHNAGAR RAJAHMUNDRY, 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.

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 Prakashnagar Rajahmundry branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0804461, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0804461 belongs to Union Bank of India's PRAKASHNAGAR RAJAHMUNDRY branch, located at HNO 74-09-10 PRAKASHNAGARRAJAHMUNDRY,E.G.DIST,AP in RAJAHMUNDRY, 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.