This page lists the IFSC code, branch address, contact number and fund-transfer information for Union Bank of India, SAUNKHOR branch in SAUNKHOR. The 11-digit IFSC UBIN0546291 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 SAUNKHOR 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.
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 – SAUNKHOR is UBIN0546291. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 546291 map to this branch in SAUNKHOR, UTTAR PRADESH.
Branch details at a glance
| Bank Name | Union Bank of India |
|---|---|
| Branch | Saunkhor |
| IFSC Code | UBIN0546291 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT SAUNKHOR POST FARSHAN BADHALGANJ DIST. GORAKHPUR UTTAR PRADESH PIN 273402. |
| City | Saunkhor |
| District | Gorakpur |
| State | Uttar Pradesh |
| Phone | 281450 |
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 Saunkhor branch in Saunkhor, Uttar Pradesh is part of this network and uses the IFSC code UBIN0546291 for all electronic settlement.
About this branch
The branch is located at AT SAUNKHOR POST FARSHAN BADHALGANJ DIST. GORAKHPUR UTTAR PRADESH PIN 273402.. It serves the Saunkhor 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 UBIN0546291 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 SAUNKHOR branch came to be assigned the code UBIN0546291.
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 UBIN0546291, money simply cannot be routed to the SAUNKHOR branch electronically.
How to transfer money using IFSC UBIN0546291
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 UBIN0546291 across all three.
NEFT to Union Bank of India, SAUNKHOR using IFSC UBIN0546291
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 UBIN0546291, and confirm that the system picks up Union Bank of India – SAUNKHOR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UBIN0546291
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 – SAUNKHOR, ensure your bank's portal accepts IFSC UBIN0546291 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Union Bank of India SAUNKHOR (IFSC UBIN0546291)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0546291 in your mobile or internet banking app, and the money is credited to the SAUNKHOR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UBIN0546291 for Union Bank of India – SAUNKHOR, 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 – UBIN0546291 | Yes – UBIN0546291 | Yes – UBIN0546291 |
For most retail customers crediting the Saunkhor 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 UBIN0546291
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 – SAUNKHOR is still mapped to IFSC UBIN0546291. 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 UBIN0546291 and the beneficiary's account number to complete the transfer.
Account types you can open at the Saunkhor branch
Once you have an account at Union Bank of India – SAUNKHOR, the IFSC UBIN0546291 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 Saunkhor 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 UBIN0546291
MICR & cheque-truncation details
Cheques drawn on the Saunkhor branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0546291 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Saunkhor 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 UBIN0546291 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.
Common mistakes to avoid when using IFSC UBIN0546291
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 – SAUNKHOR, 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:
UBIN0546291. - 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.
Reaching the branch
The Saunkhor branch sits at AT SAUNKHOR POST FARSHAN BADHALGANJ DIST. GORAKHPUR UTTAR PRADESH PIN 273402.. If you are travelling from outside Saunkhor, search for the branch on a maps application using the bank name and locality, or call 281450 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 UBIN0546291 and your account number.
Verifying IFSC UBIN0546291 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 UBIN0546291 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 281450.
- Visiting the bank's official branch locator page.
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 Saunkhor branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0546291, however, work 24x7.
Branch address & contact
Union Bank of IndiaSaunkhor Branch
AT SAUNKHOR POST FARSHAN BADHALGANJ DIST. GORAKHPUR UTTAR PRADESH PIN 273402.
Saunkhor, Uttar Pradesh
Phone: 281450
IFSC: UBIN0546291
Frequently asked questions
How do I add Union Bank of India Saunkhor as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UBIN0546291, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UBIN0546291 valid for NEFT and RTGS?
Yes. IFSC UBIN0546291 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Union Bank of India Saunkhor branch located?
Union Bank of India's Saunkhor branch is located at AT SAUNKHOR POST FARSHAN BADHALGANJ DIST. GORAKHPUR UTTAR PRADESH PIN 273402., Saunkhor, Uttar Pradesh.
What is the IFSC code of Union Bank of India Saunkhor branch?
The IFSC code of Union Bank of India, Saunkhor branch is UBIN0546291. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UBIN0546291 the same for all accounts at Saunkhor branch?
Yes. The IFSC UBIN0546291 is shared by every account held at Union Bank of India's Saunkhor branch. Only the account number changes from customer to customer.
What is the phone number of Union Bank of India Saunkhor branch?
You can reach the branch at 281450 during regular banking hours.
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 Saunkhor branch but serve different purposes.
How quickly will an NEFT transfer using UBIN0546291 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Union Bank of India – Saunkhor reflect within 30 minutes.
Final notes
To recap: UBIN0546291 is the IFSC code of Union Bank of India, SAUNKHOR branch, in SAUNKHOR, UTTAR PRADESH. 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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