IFSC Code of Union Bank of India, Shahjahanpur - Saharanpur Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Union Bank of India's SHAHJAHANPUR - SAHARANPUR branch in SHAHJAHANPUR, UTTAR PRADESH. The branch's IFSC code UBIN0546364 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Union Bank of India's SHAHJAHANPUR - SAHARANPUR branch, the IFSC UBIN0546364 breaks down as follows: UBIN identifies the bank, 0 is the reserved character, and 546364 identifies this particular branch.

Branch details at a glance

About Union Bank of India

Union Bank of India operates a wide network of branches across India, including the Shahjahanpur - Saharanpur branch in Shahjahanpur. 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, UBIN0546364.

About the Shahjahanpur - Saharanpur branch

The Shahjahanpur - Saharanpur branch of Union Bank of India is situated at POST SHAHJAHANPUR VIA SARSAINA DIST.SAHARANPUR UTTAR PRADESH PIN 247232. 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 UBIN0546364 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 SHAHJAHANPUR - SAHARANPUR of Union Bank of India — its own 11-character IFSC. The code UBIN0546364 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 UBIN0546364 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 UBIN0546364

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 UBIN0546364 across all three.

NEFT to Union Bank of India, SHAHJAHANPUR - SAHARANPUR using IFSC UBIN0546364

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 UBIN0546364, and confirm that the system picks up Union Bank of India – SHAHJAHANPUR - SAHARANPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SHAHJAHANPUR - SAHARANPUR

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's SHAHJAHANPUR - SAHARANPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0546364 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Union Bank of India – SHAHJAHANPUR - SAHARANPUR, use IMPS. With IFSC UBIN0546364 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Shahjahanpur - Saharanpur

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 UBIN0546364:

• 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 SHAHJAHANPUR - SAHARANPUR is still linked to IFSC UBIN0546364.

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 UBIN0546364

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 – SHAHJAHANPUR - SAHARANPUR is still mapped to IFSC UBIN0546364. 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 UBIN0546364 and the beneficiary's account number to complete the transfer.

Account types you can open at the Shahjahanpur - Saharanpur branch

Once you have an account at Union Bank of India – SHAHJAHANPUR - SAHARANPUR, the IFSC UBIN0546364 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 Shahjahanpur - Saharanpur 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 UBIN0546364

MICR & cheque-truncation details

Cheques drawn on the Shahjahanpur - Saharanpur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0546364 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC UBIN0546364

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the SHAHJAHANPUR - SAHARANPUR 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 UBIN0546364 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 – SHAHJAHANPUR - SAHARANPUR:

• The IFSC is exactly UBIN0546364 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 SHAHJAHANPUR - SAHARANPUR 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 Shahjahanpur - Saharanpur branch sits at POST SHAHJAHANPUR VIA SARSAINA DIST.SAHARANPUR UTTAR PRADESH PIN 247232. If you are travelling from outside Shahjahanpur, search for the branch on a maps application using the bank name and locality, or call 45216 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 UBIN0546364 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0546364 for Union Bank of India – SHAHJAHANPUR - SAHARANPUR, 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 Shahjahanpur - Saharanpur 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 UBIN0546364 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0546364 belongs to Union Bank of India's SHAHJAHANPUR - SAHARANPUR branch, located at POST SHAHJAHANPUR VIA SARSAINA DIST.SAHARANPUR UTTAR PRADESH PIN 247232 in SHAHJAHANPUR, UTTAR PRADESH. 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.