IFSC Code of Union Bank of India, Sai Nagar - Morumpudi Branch, Andhra Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Union Bank of India, SAI NAGAR - MORUMPUDI branch in RAJAHMUNDRY. The 11-digit IFSC UBIN0593354 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Union Bank of India at the SAI NAGAR - MORUMPUDI location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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, UBIN0593354 is the IFSC of Union Bank of India's SAI NAGAR - MORUMPUDI branch. The format is fixed: UBIN = bank code, 0 = reserved, 593354 = branch identifier.

Branch details at a glance

Bank profile

Union Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Sai Nagar - Morumpudi branch — IFSC UBIN0593354 — extends the bank's services to customers in and around Rajahmundry, Andhra Pradesh.

About this branch

The branch is located at PLOT NO 72 GROUND FLOOR SAI NAGAR MORUMPUDI RAJAHMUNDRY EAST GODAVARI DIST PIN 533107. It serves the Rajahmundry 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 UBIN0593354 is used to identify this branch on the RBI payments network.

Why every Union Bank of India branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including SAI NAGAR - MORUMPUDI of Union Bank of India — its own 11-character IFSC. The code UBIN0593354 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC UBIN0593354 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC UBIN0593354

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 UBIN0593354 across all three.

How to use IFSC UBIN0593354 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's SAI NAGAR - MORUMPUDI 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 UBIN0593354.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as SAI NAGAR - MORUMPUDI.
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 UBIN0593354

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 – SAI NAGAR - MORUMPUDI, ensure your bank's portal accepts IFSC UBIN0593354 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Union Bank of India SAI NAGAR - MORUMPUDI (IFSC UBIN0593354)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0593354 in your mobile or internet banking app, and the money is credited to the SAI NAGAR - MORUMPUDI branch account within seconds.

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

All three modes accept the IFSC UBIN0593354 for Union Bank of India – SAI NAGAR - MORUMPUDI, 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 Sai Nagar - Morumpudi 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 UBIN0593354

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 – SAI NAGAR - MORUMPUDI is still mapped to IFSC UBIN0593354. 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 UBIN0593354 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Sai Nagar - Morumpudi branch is mapped to IFSC UBIN0593354 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 UBIN0593354.

Products and services

Customers walking into the Sai Nagar - Morumpudi 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 UBIN0593354

MICR & cheque-truncation details

Cheques drawn on the Sai Nagar - Morumpudi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0593354 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC UBIN0593354

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the SAI NAGAR - MORUMPUDI 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 UBIN0593354 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 – SAI NAGAR - MORUMPUDI:

• The IFSC is exactly UBIN0593354 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 SAI NAGAR - MORUMPUDI 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 Sai Nagar - Morumpudi branch sits at PLOT NO 72 GROUND FLOOR SAI NAGAR MORUMPUDI RAJAHMUNDRY EAST GODAVARI DIST PIN 533107. If you are travelling from outside Rajahmundry, search for the branch on a maps application using the bank name and locality, or call 883-9494008786 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 UBIN0593354 and your account number.

Verifying IFSC UBIN0593354 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 UBIN0593354 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 883-9494008786.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Sai Nagar - Morumpudi 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 UBIN0593354 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0593354 belongs to Union Bank of India's SAI NAGAR - MORUMPUDI branch, located at PLOT NO 72 GROUND FLOOR SAI NAGAR MORUMPUDI RAJAHMUNDRY EAST GODAVARI DIST PIN… 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.