IFSC Code of Union Bank of India, Chak Ml Neemavali Branch, Rajasthan

This page lists the IFSC code, branch address, contact number and fund-transfer information for Union Bank of India, CHAK ML NEEMAVALI branch in SRI GANGA NAGAR. The 11-digit IFSC UBIN0821896 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 CHAK ML NEEMAVALI 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 – CHAK ML NEEMAVALI is UBIN0821896. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 821896 map to this branch in SRI GANGA NAGAR, RAJASTHAN.

About Union Bank of India

Union Bank of India operates a wide network of branches across India, including the Chak Ml Neemavali branch in Sri Ganga Nagar. 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, UBIN0821896.

Branch details at a glance

About the Chak Ml Neemavali branch

The Chak Ml Neemavali branch of Union Bank of India is situated at SHOP NO.47,HOME LAND CITY,NH15 / 62SURATGARH MAIN ROAD,SRI GANGANAGAR,RAJASTHAN. 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 UBIN0821896 is used.

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 CHAK ML NEEMAVALI branch came to be assigned the code UBIN0821896.

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 UBIN0821896, money simply cannot be routed to the CHAK ML NEEMAVALI branch electronically.

Products and account variants supported

Every account opened at the Chak Ml Neemavali branch is mapped to IFSC UBIN0821896 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 UBIN0821896.

Banking services available

The Chak Ml Neemavali branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 7665544883.

• 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 UBIN0821896

How to transfer money using IFSC UBIN0821896

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 UBIN0821896 across all three.

How to use IFSC UBIN0821896 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's CHAK ML NEEMAVALI 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 UBIN0821896.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as CHAK ML NEEMAVALI.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UBIN0821896

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 – CHAK ML NEEMAVALI, ensure your bank's portal accepts IFSC UBIN0821896 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Union Bank of India CHAK ML NEEMAVALI (IFSC UBIN0821896)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0821896 in your mobile or internet banking app, and the money is credited to the CHAK ML NEEMAVALI branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UBIN0821896 for Union Bank of India – CHAK ML NEEMAVALI, 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.

For most retail customers crediting the Chak Ml Neemavali 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 UBIN0821896

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 – CHAK ML NEEMAVALI is still mapped to IFSC UBIN0821896. 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 UBIN0821896 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UBIN0821896

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the CHAK ML NEEMAVALI 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 UBIN0821896 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 UBIN0821896 and the account number together uniquely identify the Chak Ml Neemavali 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 – CHAK ML NEEMAVALI:

• The IFSC is exactly UBIN0821896 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 CHAK ML NEEMAVALI 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 Chak Ml Neemavali branch

The branch is located at SHOP NO.47,HOME LAND CITY,NH15 / 62SURATGARH MAIN ROAD,SRI GANGANAGAR,RAJASTHAN, which puts it inside Sri Ganga Nagar, the broader Ganganagar district, and the state of Rajasthan. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India Chak Ml Neemavali branch” — the verified location pin for IFSC UBIN0821896 should appear at the top of the results.
2. Confirm the branch is open by calling 7665544883 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 UBIN0821896 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0821896 for Union Bank of India – CHAK ML NEEMAVALI, 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.

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 Chak Ml Neemavali branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0821896, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0821896 belongs to Union Bank of India's CHAK ML NEEMAVALI branch, located at SHOP NO.47,HOME LAND CITY,NH15 / 62SURATGARH MAIN ROAD,SRI GANGANAGAR,RAJASTHAN in SRI GANGA NAGAR, RAJASTHAN. 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.