IFSC Code of Union Bank of India, Race Course Road - Baroda Branch, Gujarat

If you are searching for the IFSC code of Union Bank of India, RACE COURSE ROAD - BARODA branch in VADODARA, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is UBIN0546488. 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 RACE COURSE ROAD - BARODA branch, and detailed step-by-step guides for using the IFSC UBIN0546488 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 – RACE COURSE ROAD - BARODA is UBIN0546488. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 546488 map to this branch in VADODARA, GUJARAT.

Bank profile

Union Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Race Course Road - Baroda branch — IFSC UBIN0546488 — extends the bank's services to customers in and around Vadodara, Gujarat.

About the Race Course Road - Baroda branch

The Race Course Road - Baroda branch of Union Bank of India is situated at RACE COURSE ROAD,5, ROKADNATH CO-OP. HOUSING SODISTRICT - BARODA,BARODA, GUJARAT, PIN - 390 007.. 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 UBIN0546488 is used.

Branch details at a glance

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 RACE COURSE ROAD - BARODA branch came to be assigned the code UBIN0546488.

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 UBIN0546488, money simply cannot be routed to the RACE COURSE ROAD - BARODA branch electronically.

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 UBIN0546488 and the account number together uniquely identify the Race Course Road - Baroda branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC UBIN0546488

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 UBIN0546488 across all three.

NEFT to Union Bank of India, RACE COURSE ROAD - BARODA using IFSC UBIN0546488

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 UBIN0546488, and confirm that the system picks up Union Bank of India – RACE COURSE ROAD - BARODA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to RACE COURSE ROAD - BARODA

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's RACE COURSE ROAD - BARODA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0546488 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 – RACE COURSE ROAD - BARODA, use IMPS. With IFSC UBIN0546488 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 UBIN0546488 for Union Bank of India – RACE COURSE ROAD - BARODA, 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 Race Course Road - Baroda 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.

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 RACE COURSE ROAD - BARODA branch, the IFSC UBIN0546488 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.

Products and account variants supported

Every account opened at the Race Course Road - Baroda branch is mapped to IFSC UBIN0546488 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 UBIN0546488.

Banking services available

The Race Course Road - Baroda branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• 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 UBIN0546488

Digital banking channels

Most day-to-day work that customers used to do at the Race Course Road - Baroda 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 UBIN0546488 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.

How to reach the Race Course Road - Baroda branch

The branch is located at RACE COURSE ROAD,5, ROKADNATH CO-OP. HOUSING SODISTRICT - BARODA,BARODA, GUJARAT, PIN - 390 007., which puts it inside Vadodara, the broader Vadodara district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India Race Course Road - Baroda branch” — the verified location pin for IFSC UBIN0546488 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 UBIN0546488 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 – RACE COURSE ROAD - BARODA:

• The IFSC is exactly UBIN0546488 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 RACE COURSE ROAD - BARODA 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.

Working hours

Branch counters at Race Course Road - Baroda 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 UBIN0546488 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0546488 for Union Bank of India – RACE COURSE ROAD - BARODA, 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 address & contact

Frequently asked questions

Summary

The IFSC code UBIN0546488 belongs to Union Bank of India's RACE COURSE ROAD - BARODA branch, located at RACE COURSE ROAD,5, ROKADNATH CO-OP. HOUSING SODISTRICT - BARODA,BARODA,… in VADODARA, GUJARAT. 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.