Use this page as a one-stop reference for everything related to Union Bank of India's SIMDEGA branch in RANCHI, JHARKHAND. The branch's IFSC code UBIN0561789 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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, UBIN0561789 is the IFSC of Union Bank of India's SIMDEGA branch. The format is fixed: UBIN = bank code, 0 = reserved, 561789 = 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 Simdega branch in Ranchi, Jharkhand is part of this network and uses the IFSC code UBIN0561789 for all electronic settlement.
About this branch
The branch is located at BIRU BHAWAN MAIN ROAD SIMDEGA PIN 835223. It serves the Ranchi 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 UBIN0561789 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Union Bank of India |
|---|---|
| Branch | Simdega |
| IFSC Code | UBIN0561789 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BIRU BHAWAN MAIN ROAD SIMDEGA PIN 835223 |
| City | Ranchi |
| District | Simdega |
| State | Jharkhand |
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 SIMDEGA of Union Bank of India — its own 11-character IFSC. The code UBIN0561789 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 UBIN0561789 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Simdega branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0561789 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 UBIN0561789
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 UBIN0561789 across all three.
How to use IFSC UBIN0561789 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's SIMDEGA 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 UBIN0561789.
- Confirm the bank name auto-populates as Union Bank of India and the branch as SIMDEGA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UBIN0561789
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 – SIMDEGA, ensure your bank's portal accepts IFSC UBIN0561789 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Union Bank of India SIMDEGA (IFSC UBIN0561789)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0561789 in your mobile or internet banking app, and the money is credited to the SIMDEGA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Simdega
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC UBIN0561789:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at SIMDEGA is still linked to IFSC UBIN0561789.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
UPI payments and IFSC UBIN0561789
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 – SIMDEGA is still mapped to IFSC UBIN0561789. 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 UBIN0561789 and the beneficiary's account number to complete the transfer.
Account types you can open at the Simdega branch
Once you have an account at Union Bank of India – SIMDEGA, the IFSC UBIN0561789 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.
Banking services available
The Simdega branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.
- 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 UBIN0561789
Online banking and IFSC UBIN0561789
Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the SIMDEGA 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 UBIN0561789 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 Simdega branch sits at BIRU BHAWAN MAIN ROAD SIMDEGA PIN 835223. If you are travelling from outside Ranchi, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 UBIN0561789 and your account number.
Common mistakes to avoid when using IFSC UBIN0561789
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 – SIMDEGA, 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:
UBIN0561789. - 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.
Working hours
Branch counters at Simdega 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 UBIN0561789 continue to work without interruption.
Verifying IFSC UBIN0561789 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 UBIN0561789 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on the branch contact number.
- Visiting the bank's official branch locator page.
Branch address & contact
Union Bank of IndiaSimdega Branch
BIRU BHAWAN MAIN ROAD SIMDEGA PIN 835223
Ranchi, Jharkhand
Phone: the branch contact number
IFSC: UBIN0561789
Frequently asked questions
Can I use IFSC UBIN0561789 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UBIN0561789 to send funds instantly.
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 Simdega branch but serve different purposes.
What is the IFSC code of Union Bank of India Simdega branch?
The IFSC code of Union Bank of India, Simdega branch is UBIN0561789. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UBIN0561789 valid for NEFT and RTGS?
Yes. IFSC UBIN0561789 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC UBIN0561789 the same for all accounts at Simdega branch?
Yes. The IFSC UBIN0561789 is shared by every account held at Union Bank of India's Simdega branch. Only the account number changes from customer to customer.
What is the phone number of Union Bank of India Simdega branch?
You can reach the branch at the branch contact number during regular banking hours.
Summary
The IFSC code UBIN0561789 belongs to Union Bank of India's SIMDEGA branch, located at BIRU BHAWAN MAIN ROAD SIMDEGA PIN 835223 in RANCHI, JHARKHAND. 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.
