Below are the complete branch details for Union Bank of India, RAJARHAT branch, located in RAJARHAT, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is UBIN0912344. 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 UBIN0912344 for Union Bank of India – RAJARHAT — 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, UBIN0912344 is the IFSC of Union Bank of India's RAJARHAT branch. The format is fixed: UBIN = bank code, 0 = reserved, 912344 = branch identifier.
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 Rajarhat branch in Rajarhat, West Bengal is part of this network and uses the IFSC code UBIN0912344 for all electronic settlement.
About the Rajarhat branch
The Rajarhat branch of Union Bank of India is situated at RAJARHAT GREENS, 1ST FLOOR, R.S. DAG NO334, 211 BUS ROUTE, NEAR RAJARHAT THANA, RAJARHAT ,MAIN ROAD, KOLKATA. 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 UBIN0912344 is used.
Branch details at a glance
| Bank Name | Union Bank of India |
|---|---|
| Branch | Rajarhat |
| IFSC Code | UBIN0912344 |
| MICR Code | Refer to cheque leaf |
| Branch Address | RAJARHAT GREENS, 1ST FLOOR, R.S. DAG NO334, 211 BUS ROUTE, NEAR RAJARHAT THANA, RAJARHAT ,MAIN ROAD, KOLKATA |
| City | Rajarhat |
| District | Jalpaiguri |
| State | West Bengal |
| STD Code | 33 |
| Phone | 25737349 |
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 RAJARHAT branch came to be assigned the code UBIN0912344.
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 UBIN0912344, money simply cannot be routed to the RAJARHAT branch electronically.
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 UBIN0912344 and the account number together uniquely identify the Rajarhat branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UBIN0912344
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 UBIN0912344 across all three.
How to use IFSC UBIN0912344 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's RAJARHAT 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC UBIN0912344.
- Confirm the bank name auto-populates as Union Bank of India and the branch as RAJARHAT.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UBIN0912344
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 – RAJARHAT, ensure your bank's portal accepts IFSC UBIN0912344 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Union Bank of India RAJARHAT (IFSC UBIN0912344)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0912344 in your mobile or internet banking app, and the money is credited to the RAJARHAT branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UBIN0912344 for Union Bank of India – RAJARHAT, 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 – UBIN0912344 | Yes – UBIN0912344 | Yes – UBIN0912344 |
For most retail customers crediting the Rajarhat 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 UBIN0912344
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 – RAJARHAT is still mapped to IFSC UBIN0912344. 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 UBIN0912344 and the beneficiary's account number to complete the transfer.
Account types you can open at the Rajarhat branch
Once you have an account at Union Bank of India – RAJARHAT, the IFSC UBIN0912344 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Products and services
Customers walking into the Rajarhat 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 UBIN0912344
Digital banking channels
Most day-to-day work that customers used to do at the Rajarhat 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 UBIN0912344 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.
Reaching the branch
The Rajarhat branch sits at RAJARHAT GREENS, 1ST FLOOR, R.S. DAG NO334, 211 BUS ROUTE, NEAR RAJARHAT THANA, RAJARHAT ,MAIN ROAD, KOLKATA. If you are travelling from outside Rajarhat, search for the branch on a maps application using the bank name and locality, or call 33-25737349 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 UBIN0912344 and your account number.
Common mistakes to avoid when using IFSC UBIN0912344
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 – RAJARHAT, 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:
UBIN0912344. - 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.
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 Rajarhat branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0912344, however, work 24x7.
Verifying IFSC UBIN0912344 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 UBIN0912344 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 33-25737349.
- Visiting the bank's official branch locator page.
Branch address & contact
Union Bank of IndiaRajarhat Branch
RAJARHAT GREENS, 1ST FLOOR, R.S. DAG NO334, 211 BUS ROUTE, NEAR RAJARHAT THANA, RAJARHAT ,MAIN ROAD, KOLKATA
Rajarhat, West Bengal
Phone: 33-25737349
IFSC: UBIN0912344
Frequently asked questions
How quickly will an NEFT transfer using UBIN0912344 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Union Bank of India – Rajarhat reflect within 30 minutes.
Can I use IFSC UBIN0912344 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UBIN0912344 to send funds instantly.
Does Union Bank of India Rajarhat branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 33-25737349 to confirm.
How do I add Union Bank of India Rajarhat as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UBIN0912344, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UBIN0912344 valid for NEFT and RTGS?
Yes. IFSC UBIN0912344 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Union Bank of India Rajarhat branch located?
Union Bank of India's Rajarhat branch is located at RAJARHAT GREENS, 1ST FLOOR, R.S. DAG NO334, 211 BUS ROUTE, NEAR RAJARHAT THANA, RAJARHAT ,MAIN ROAD, KOLKATA, Rajarhat, West Bengal.
Final notes
To recap: UBIN0912344 is the IFSC code of Union Bank of India, RAJARHAT branch, in RAJARHAT, WEST BENGAL. 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.
