IFSC Code of Union Bank of India, St.Jose De Areal Branch, Goa

Below are the complete branch details for Union Bank of India, ST.JOSE DE AREAL branch, located in SAO JOSE DE AREAL, GOA. The IFSC assigned by the Reserve Bank of India to this branch is UBIN0902578. 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 UBIN0902578 for Union Bank of India – ST.JOSE DE AREAL — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – ST.JOSE DE AREAL is UBIN0902578. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 902578 map to this branch in SAO JOSE DE AREAL, GOA.

Branch details at a glance

About Union Bank of India

Union Bank of India operates a wide network of branches across India, including the St.Jose De Areal branch in Sao Jose De Areal. 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, UBIN0902578.

About the St.Jose De Areal branch

The St.Jose De Areal branch of Union Bank of India is situated at 1591 ENDRO APARTMENTS, OPP CHAPEL, PADRIBHAT, ST.JOSE DE AREAL 403730. 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 UBIN0902578 is used.

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 ST.JOSE DE AREAL of Union Bank of India — its own 11-character IFSC. The code UBIN0902578 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 UBIN0902578 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 UBIN0902578

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 UBIN0902578 across all three.

How to use IFSC UBIN0902578 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's ST.JOSE DE AREAL 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 UBIN0902578.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as ST.JOSE DE AREAL.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to ST.JOSE DE AREAL

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's ST.JOSE DE AREAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0902578 while initiating the transfer and the credit will appear within minutes.

IMPS to Union Bank of India ST.JOSE DE AREAL (IFSC UBIN0902578)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0902578 in your mobile or internet banking app, and the money is credited to the ST.JOSE DE AREAL branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to St.Jose De Areal

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 UBIN0902578:

• 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 ST.JOSE DE AREAL is still linked to IFSC UBIN0902578.

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 UBIN0902578

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 – ST.JOSE DE AREAL is still mapped to IFSC UBIN0902578. 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 UBIN0902578 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the St.Jose De Areal branch is mapped to IFSC UBIN0902578 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 UBIN0902578.

Banking services available

The St.Jose De Areal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 832-2860347.

• 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 UBIN0902578

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 UBIN0902578 and the account number together uniquely identify the St.Jose De Areal branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the St.Jose De Areal 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 UBIN0902578 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.

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 – ST.JOSE DE AREAL:

• The IFSC is exactly UBIN0902578 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 ST.JOSE DE AREAL 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.

How to reach the St.Jose De Areal branch

The branch is located at 1591 ENDRO APARTMENTS, OPP CHAPEL, PADRIBHAT, ST.JOSE DE AREAL 403730, which puts it inside Sao Jose De Areal, the broader South Goa district, and the state of Goa. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India St.Jose De Areal branch” — the verified location pin for IFSC UBIN0902578 should appear at the top of the results.
2. Confirm the branch is open by calling 832-2860347 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 UBIN0902578 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0902578 for Union Bank of India – ST.JOSE DE AREAL, 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.

Working hours

Branch counters at St.Jose De Areal 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 UBIN0902578 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UBIN0902578 is the IFSC code of Union Bank of India, ST.JOSE DE AREAL branch, in SAO JOSE DE AREAL, GOA. 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.