If you are searching for the IFSC code of Union Bank of India, PALODE branch in THIRUVANANTHAPURAM, KERALA, this page has every detail you need. The verified IFSC code for this branch is UBIN0591238. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the PALODE branch, and detailed step-by-step guides for using the IFSC UBIN0591238 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 – PALODE is UBIN0591238. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 591238 map to this branch in THIRUVANANTHAPURAM, KERALA.
Bank profile
Union Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Palode branch — IFSC UBIN0591238 — extends the bank's services to customers in and around Thiruvananthapuram, Kerala.
About the Palode branch
The Palode branch of Union Bank of India is situated at KOTTATATHIL HEIGHTS 757 B NANNIYODE PACHA PO THIRUVANANTHAPURAM 695562. 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 UBIN0591238 is used.
Branch details at a glance
| Bank Name | Union Bank of India |
|---|---|
| Branch | Palode |
| IFSC Code | UBIN0591238 |
| MICR Code | Refer to cheque leaf |
| Branch Address | KOTTATATHIL HEIGHTS 757 B NANNIYODE PACHA PO THIRUVANANTHAPURAM 695562 |
| City | Thiruvananthapuram |
| District | Thiruvanthapuram |
| State | Kerala |
| STD Code | 472 |
| Phone | 6282225908 |
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 PALODE of Union Bank of India — its own 11-character IFSC. The code UBIN0591238 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 UBIN0591238 the same way you would treat your account number — verify it once and save it carefully for future use.
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 UBIN0591238 and the account number together uniquely identify the Palode branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UBIN0591238
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 UBIN0591238 across all three.
NEFT to Union Bank of India, PALODE using IFSC UBIN0591238
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 UBIN0591238, and confirm that the system picks up Union Bank of India – PALODE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to PALODE
If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's PALODE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0591238 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 – PALODE, use IMPS. With IFSC UBIN0591238 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UBIN0591238 for Union Bank of India – PALODE, 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 – UBIN0591238 | Yes – UBIN0591238 | Yes – UBIN0591238 |
For most retail customers crediting the Palode 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 UBIN0591238
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 – PALODE is still mapped to IFSC UBIN0591238. 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 UBIN0591238 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Palode branch is mapped to IFSC UBIN0591238 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 UBIN0591238.
Banking services available
The Palode branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 472-6282225908.
- 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 UBIN0591238
Digital banking channels
Most day-to-day work that customers used to do at the Palode 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 UBIN0591238 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.
Reaching the branch
The Palode branch sits at KOTTATATHIL HEIGHTS 757 B NANNIYODE PACHA PO THIRUVANANTHAPURAM 695562. If you are travelling from outside Thiruvananthapuram, search for the branch on a maps application using the bank name and locality, or call 472-6282225908 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 UBIN0591238 and your account number.
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 – PALODE:
- The IFSC is exactly UBIN0591238 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 PALODE 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.
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 Palode branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0591238, however, work 24x7.
Verifying IFSC UBIN0591238 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 UBIN0591238 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 472-6282225908.
- Visiting the bank's official branch locator page.
Branch address & contact
Union Bank of IndiaPalode Branch
KOTTATATHIL HEIGHTS 757 B NANNIYODE PACHA PO THIRUVANANTHAPURAM 695562
Thiruvananthapuram, Kerala
Phone: 472-6282225908
IFSC: UBIN0591238
Frequently asked questions
Can I use IFSC UBIN0591238 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UBIN0591238 to send funds instantly.
How do I add Union Bank of India Palode as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UBIN0591238, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Union Bank of India Palode branch located?
Union Bank of India's Palode branch is located at KOTTATATHIL HEIGHTS 757 B NANNIYODE PACHA PO THIRUVANANTHAPURAM 695562, Thiruvananthapuram, Kerala.
What is the phone number of Union Bank of India Palode branch?
You can reach the branch at 472-6282225908 during regular banking hours.
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 Palode branch but serve different purposes.
Is IFSC UBIN0591238 valid for NEFT and RTGS?
Yes. IFSC UBIN0591238 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Union Bank of India Palode branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 472-6282225908 to confirm.
Summary
The IFSC code UBIN0591238 belongs to Union Bank of India's PALODE branch, located at KOTTATATHIL HEIGHTS 757 B NANNIYODE PACHA PO THIRUVANANTHAPURAM 695562 in THIRUVANANTHAPURAM, KERALA. 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.
