If you are searching for the IFSC code of Union Bank of India, RAJKOT SSI branch in RAJKOT, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is UBIN0904881. 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 RAJKOT SSI branch, and detailed step-by-step guides for using the IFSC UBIN0904881 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 – RAJKOT SSI is UBIN0904881. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 904881 map to this branch in RAJKOT, GUJARAT.
Branch details at a glance
| Bank Name | Union Bank of India |
|---|---|
| Branch | Rajkot SSI |
| IFSC Code | UBIN0904881 |
| MICR Code | Refer to cheque leaf |
| Branch Address | JP TOWER, TAGORE MARG, RAJKOT 360002 |
| City | Rajkot |
| District | Rajkot |
| State | Gujarat |
| STD Code | 281 |
| Phone | 2465796 |
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 Rajkot SSI branch in Rajkot, Gujarat is part of this network and uses the IFSC code UBIN0904881 for all electronic settlement.
About this branch
The branch is located at JP TOWER, TAGORE MARG, RAJKOT 360002. It serves the Rajkot 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 UBIN0904881 is used to identify this branch on the RBI payments network.
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 RAJKOT SSI branch came to be assigned the code UBIN0904881.
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 UBIN0904881, money simply cannot be routed to the RAJKOT SSI branch electronically.
How to transfer money using IFSC UBIN0904881
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 UBIN0904881 across all three.
NEFT to Union Bank of India, RAJKOT SSI using IFSC UBIN0904881
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 UBIN0904881, and confirm that the system picks up Union Bank of India – RAJKOT SSI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to RAJKOT SSI
If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's RAJKOT SSI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0904881 while initiating the transfer and the credit will appear within minutes.
IMPS to Union Bank of India RAJKOT SSI (IFSC UBIN0904881)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0904881 in your mobile or internet banking app, and the money is credited to the RAJKOT SSI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UBIN0904881 for Union Bank of India – RAJKOT SSI, 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 – UBIN0904881 | Yes – UBIN0904881 | Yes – UBIN0904881 |
For most retail customers crediting the Rajkot SSI 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 UBIN0904881
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 – RAJKOT SSI is still mapped to IFSC UBIN0904881. 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 UBIN0904881 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Rajkot SSI branch is mapped to IFSC UBIN0904881 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 UBIN0904881.
Banking services available
The Rajkot SSI branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 281-2465796.
- 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 UBIN0904881
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 UBIN0904881 and the account number together uniquely identify the Rajkot SSI branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC UBIN0904881
Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the RAJKOT SSI 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 UBIN0904881 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 – RAJKOT SSI:
- The IFSC is exactly UBIN0904881 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 RAJKOT SSI 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 Rajkot SSI branch sits at JP TOWER, TAGORE MARG, RAJKOT 360002. If you are travelling from outside Rajkot, search for the branch on a maps application using the bank name and locality, or call 281-2465796 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 UBIN0904881 and your account number.
Verifying IFSC UBIN0904881 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 UBIN0904881 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 281-2465796.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Rajkot SSI 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 UBIN0904881 continue to work without interruption.
Branch address & contact
Union Bank of IndiaRajkot SSI Branch
JP TOWER, TAGORE MARG, RAJKOT 360002
Rajkot, Gujarat
Phone: 281-2465796
IFSC: UBIN0904881
Frequently asked questions
How do I add Union Bank of India Rajkot SSI as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UBIN0904881, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UBIN0904881 the same for all accounts at Rajkot SSI branch?
Yes. The IFSC UBIN0904881 is shared by every account held at Union Bank of India's Rajkot SSI branch. Only the account number changes from customer to customer.
Can I use IFSC UBIN0904881 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UBIN0904881 to send funds instantly.
Does Union Bank of India Rajkot SSI branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 281-2465796 to confirm.
What is the IFSC code of Union Bank of India Rajkot SSI branch?
The IFSC code of Union Bank of India, Rajkot SSI branch is UBIN0904881. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Rajkot SSI branch but serve different purposes.
How quickly will an NEFT transfer using UBIN0904881 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Union Bank of India – Rajkot SSI reflect within 30 minutes.
Final notes
To recap: UBIN0904881 is the IFSC code of Union Bank of India, RAJKOT SSI branch, in RAJKOT, GUJARAT. 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.
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