IFSC Code of Union Bank of India, Thanewagle Estate Branch, Maharashtra

Below are the complete branch details for Union Bank of India, THANEWAGLE ESTATE branch, located in THANE, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is UBIN0934496. 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 UBIN0934496 for Union Bank of India – THANEWAGLE ESTATE — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 THANEWAGLE ESTATE branch, the IFSC UBIN0934496 breaks down as follows: UBIN identifies the bank, 0 is the reserved character, and 934496 identifies this particular branch.

Branch details at a glance

Bank profile

Union Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Thanewagle Estate branch — IFSC UBIN0934496 — extends the bank's services to customers in and around Thane, Maharashtra.

Thanewagle Estate branch overview

Located at BHOOMI VELOCEITY UNIT 3 ROAD NO 23 WAGHLE INDUSTRIAL ESTATE THANE WEST 400604, the Thanewagle Estate branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UBIN0934496 is required for all interbank electronic transfers routed through this branch.

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 THANEWAGLE ESTATE branch came to be assigned the code UBIN0934496.

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 UBIN0934496, money simply cannot be routed to the THANEWAGLE ESTATE branch electronically.

How to transfer money using IFSC UBIN0934496

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 UBIN0934496 across all three.

How to use IFSC UBIN0934496 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's THANEWAGLE ESTATE 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 UBIN0934496.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as THANEWAGLE ESTATE.
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 THANEWAGLE ESTATE

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's THANEWAGLE ESTATE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0934496 while initiating the transfer and the credit will appear within minutes.

IMPS to Union Bank of India THANEWAGLE ESTATE (IFSC UBIN0934496)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0934496 in your mobile or internet banking app, and the money is credited to the THANEWAGLE ESTATE branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Thanewagle Estate

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 UBIN0934496:

• 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 THANEWAGLE ESTATE is still linked to IFSC UBIN0934496.

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 UBIN0934496

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 – THANEWAGLE ESTATE is still mapped to IFSC UBIN0934496. 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 UBIN0934496 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Thanewagle Estate branch is mapped to IFSC UBIN0934496 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 UBIN0934496.

Banking services available

The Thanewagle Estate branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-7718880545.

• 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 UBIN0934496

MICR & cheque-truncation details

Cheques drawn on the Thanewagle Estate branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0934496 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 Thanewagle Estate 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 UBIN0934496 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.

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 – THANEWAGLE ESTATE:

• The IFSC is exactly UBIN0934496 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 THANEWAGLE ESTATE 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 Thanewagle Estate branch sits at BHOOMI VELOCEITY UNIT 3 ROAD NO 23 WAGHLE INDUSTRIAL ESTATE THANE WEST 400604. If you are travelling from outside Thane, search for the branch on a maps application using the bank name and locality, or call 91-7718880545 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 UBIN0934496 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0934496 for Union Bank of India – THANEWAGLE ESTATE, 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 Thanewagle Estate branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0934496, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: UBIN0934496 is the IFSC code of Union Bank of India, THANEWAGLE ESTATE branch, in THANE, MAHARASHTRA. 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.