IFSC Code of Union Bank of India, Vadodara Retail Loan Hub Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for Union Bank of India, VADODARA RETAIL LOAN HUB branch in VADODARA. The 11-digit IFSC UBIN0917273 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 VADODARA RETAIL LOAN HUB 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 – VADODARA RETAIL LOAN HUB is UBIN0917273. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 917273 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 Vadodara Retail Loan Hub branch — IFSC UBIN0917273 — extends the bank's services to customers in and around Vadodara, Gujarat.

About the Vadodara Retail Loan Hub branch

The Vadodara Retail Loan Hub branch of Union Bank of India is situated at PERIDOT HUB, 24,URMI SOCIETY,NEAR URMI CROSSING,PRODUCTIVITY ROAD,AKOTA,VADODARA 390005 GUJARAT. 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 UBIN0917273 is used.

Branch details at a glance

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 VADODARA RETAIL LOAN HUB of Union Bank of India — its own 11-character IFSC. The code UBIN0917273 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 UBIN0917273 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 UBIN0917273 and the account number together uniquely identify the Vadodara Retail Loan Hub branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC UBIN0917273

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 UBIN0917273 across all three.

NEFT to Union Bank of India, VADODARA RETAIL LOAN HUB using IFSC UBIN0917273

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 UBIN0917273, and confirm that the system picks up Union Bank of India – VADODARA RETAIL LOAN HUB. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to VADODARA RETAIL LOAN HUB

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's VADODARA RETAIL LOAN HUB branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0917273 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 – VADODARA RETAIL LOAN HUB, use IMPS. With IFSC UBIN0917273 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Vadodara Retail Loan Hub

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 UBIN0917273:

• 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 VADODARA RETAIL LOAN HUB is still linked to IFSC UBIN0917273.

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 UBIN0917273

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 – VADODARA RETAIL LOAN HUB is still mapped to IFSC UBIN0917273. 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 UBIN0917273 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Vadodara Retail Loan Hub branch is mapped to IFSC UBIN0917273 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 UBIN0917273.

Products and services

Customers walking into the Vadodara Retail Loan Hub 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 UBIN0917273

Online banking and IFSC UBIN0917273

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the VADODARA RETAIL LOAN HUB 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 UBIN0917273 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.

Reaching the branch

The Vadodara Retail Loan Hub branch sits at PERIDOT HUB, 24,URMI SOCIETY,NEAR URMI CROSSING,PRODUCTIVITY ROAD,AKOTA,VADODARA 390005 GUJARAT. If you are travelling from outside Vadodara, search for the branch on a maps application using the bank name and locality, or call 1727-7600026077 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 UBIN0917273 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 – VADODARA RETAIL LOAN HUB:

• The IFSC is exactly UBIN0917273 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 VADODARA RETAIL LOAN HUB 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 Vadodara Retail Loan Hub 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 UBIN0917273 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0917273 for Union Bank of India – VADODARA RETAIL LOAN HUB, 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

Final notes

To recap: UBIN0917273 is the IFSC code of Union Bank of India, VADODARA RETAIL LOAN HUB branch, in VADODARA, GUJARAT. 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.