Below are the complete branch details for Union Bank of India, SERAMPORE branch, located in SERAMPORE, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is UBIN0824721. 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 UBIN0824721 for Union Bank of India – SERAMPORE — 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, UBIN0824721 is the IFSC of Union Bank of India's SERAMPORE branch. The format is fixed: UBIN = bank code, 0 = reserved, 824721 = branch identifier.
Bank profile
Union Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Serampore branch — IFSC UBIN0824721 — extends the bank's services to customers in and around Serampore, West Bengal.
Branch details at a glance
| Bank Name | Union Bank of India |
|---|---|
| Branch | Serampore |
| IFSC Code | UBIN0824721 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SAGNIK APARTMENT,630,GT ROAD,SERAMPORE,DIST HOOGHLY |
| City | Serampore |
| District | Hugli |
| State | West Bengal |
| STD Code | 332 |
| Phone | 3326520106 |
About this branch
The branch is located at SAGNIK APARTMENT,630,GT ROAD,SERAMPORE,DIST HOOGHLY. It serves the Serampore 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 UBIN0824721 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 SERAMPORE branch came to be assigned the code UBIN0824721.
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 UBIN0824721, money simply cannot be routed to the SERAMPORE branch electronically.
Account types you can open at the Serampore branch
Once you have an account at Union Bank of India – SERAMPORE, the IFSC UBIN0824721 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 Serampore 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 UBIN0824721
How to transfer money using IFSC UBIN0824721
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 UBIN0824721 across all three.
NEFT to Union Bank of India, SERAMPORE using IFSC UBIN0824721
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 UBIN0824721, and confirm that the system picks up Union Bank of India – SERAMPORE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UBIN0824721
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 – SERAMPORE, ensure your bank's portal accepts IFSC UBIN0824721 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Union Bank of India SERAMPORE (IFSC UBIN0824721)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0824721 in your mobile or internet banking app, and the money is credited to the SERAMPORE branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UBIN0824721 for Union Bank of India – SERAMPORE, 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 – UBIN0824721 | Yes – UBIN0824721 | Yes – UBIN0824721 |
For most retail customers crediting the Serampore 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 UBIN0824721
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 – SERAMPORE is still mapped to IFSC UBIN0824721. 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 UBIN0824721 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Serampore 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 UBIN0824721 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.
MICR & cheque-truncation details
Cheques drawn on the Serampore branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0824721 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC UBIN0824721
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 – SERAMPORE, 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:
UBIN0824721. - 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 Serampore branch sits at SAGNIK APARTMENT,630,GT ROAD,SERAMPORE,DIST HOOGHLY. If you are travelling from outside Serampore, search for the branch on a maps application using the bank name and locality, or call 332-3326520106 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 UBIN0824721 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UBIN0824721 for Union Bank of India – SERAMPORE, 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 Serampore 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 UBIN0824721 continue to work without interruption.
Branch address & contact
Union Bank of IndiaSerampore Branch
SAGNIK APARTMENT,630,GT ROAD,SERAMPORE,DIST HOOGHLY
Serampore, West Bengal
Phone: 332-3326520106
IFSC: UBIN0824721
Frequently asked questions
Is IFSC UBIN0824721 valid for NEFT and RTGS?
Yes. IFSC UBIN0824721 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Union Bank of India Serampore as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UBIN0824721, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Serampore branch but serve different purposes.
How quickly will an NEFT transfer using UBIN0824721 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Union Bank of India – Serampore reflect within 30 minutes.
Is IFSC UBIN0824721 the same for all accounts at Serampore branch?
Yes. The IFSC UBIN0824721 is shared by every account held at Union Bank of India's Serampore branch. Only the account number changes from customer to customer.
What is the phone number of Union Bank of India Serampore branch?
You can reach the branch at 332-3326520106 during regular banking hours.
Where is Union Bank of India Serampore branch located?
Union Bank of India's Serampore branch is located at SAGNIK APARTMENT,630,GT ROAD,SERAMPORE,DIST HOOGHLY, Serampore, West Bengal.
Summary
The IFSC code UBIN0824721 belongs to Union Bank of India's SERAMPORE branch, located at SAGNIK APARTMENT,630,GT ROAD,SERAMPORE,DIST HOOGHLY in SERAMPORE, WEST BENGAL. 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.
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