IFSC Code of Union Bank of India, Regional Office Shiviamogga Branch, Karnataka

Use this page as a one-stop reference for everything related to Union Bank of India's REGIONAL OFFICE SHIVIAMOGGA branch in SHIVIAMOGGA, KARNATAKA. The branch's IFSC code UBIN0578142 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 REGIONAL OFFICE SHIVIAMOGGA branch, the IFSC UBIN0578142 breaks down as follows: UBIN identifies the bank, 0 is the reserved character, and 578142 identifies this particular branch.

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 Regional Office Shiviamogga branch in Shiviamogga, Karnataka is part of this network and uses the IFSC code UBIN0578142 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at 2ND FLOOR ASHOKA ARCADE GOPLALA MAIN ROAD SHIVIAMOGGA 577205. It serves the Shiviamogga 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 UBIN0578142 is used to identify this branch on the RBI payments network.

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 REGIONAL OFFICE SHIVIAMOGGA of Union Bank of India — its own 11-character IFSC. The code UBIN0578142 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 UBIN0578142 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Regional Office Shiviamogga branch

Once you have an account at Union Bank of India – REGIONAL OFFICE SHIVIAMOGGA, the IFSC UBIN0578142 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 Regional Office Shiviamogga 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 UBIN0578142

How to transfer money using IFSC UBIN0578142

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 UBIN0578142 across all three.

How to use IFSC UBIN0578142 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's REGIONAL OFFICE SHIVIAMOGGA 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 UBIN0578142.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as REGIONAL OFFICE SHIVIAMOGGA.
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 REGIONAL OFFICE SHIVIAMOGGA

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's REGIONAL OFFICE SHIVIAMOGGA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0578142 while initiating the transfer and the credit will appear within minutes.

IMPS to Union Bank of India REGIONAL OFFICE SHIVIAMOGGA (IFSC UBIN0578142)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0578142 in your mobile or internet banking app, and the money is credited to the REGIONAL OFFICE SHIVIAMOGGA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Regional Office Shiviamogga

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 UBIN0578142:

• 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 REGIONAL OFFICE SHIVIAMOGGA is still linked to IFSC UBIN0578142.

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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Union Bank of India's REGIONAL OFFICE SHIVIAMOGGA branch, the IFSC UBIN0578142 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Online banking and IFSC UBIN0578142

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the REGIONAL OFFICE SHIVIAMOGGA 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 UBIN0578142 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.

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 UBIN0578142 and the account number together uniquely identify the Regional Office Shiviamogga branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – REGIONAL OFFICE SHIVIAMOGGA:

• The IFSC is exactly UBIN0578142 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 REGIONAL OFFICE SHIVIAMOGGA 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 Regional Office Shiviamogga branch sits at 2ND FLOOR ASHOKA ARCADE GOPLALA MAIN ROAD SHIVIAMOGGA 577205. If you are travelling from outside Shiviamogga, search for the branch on a maps application using the bank name and locality, or call 8182-281005 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 UBIN0578142 and your account number.

Verifying IFSC UBIN0578142 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 UBIN0578142 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8182-281005.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Regional Office Shiviamogga 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 UBIN0578142 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UBIN0578142 is the IFSC code of Union Bank of India, REGIONAL OFFICE SHIVIAMOGGA branch, in SHIVIAMOGGA, KARNATAKA. 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.