IFSC Code of Union Bank of India, Vallabh Vidyanagar Branch, Gujarat

Below are the complete branch details for Union Bank of India, VALLABH VIDYANAGAR branch, located in VALLABH VIDYANAGAR, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is UBIN0904651. 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 UBIN0904651 for Union Bank of India – VALLABH VIDYANAGAR — 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 VALLABH VIDYANAGAR branch, the IFSC UBIN0904651 breaks down as follows: UBIN identifies the bank, 0 is the reserved character, and 904651 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 Vallabh Vidyanagar branch — IFSC UBIN0904651 — extends the bank's services to customers in and around Vallabh Vidyanagar, Gujarat.

Vallabh Vidyanagar branch overview

Located at VIRAL PLAZA, P.B.NO.8 NEAR MIOTA BAZAR CIRCLE, VALLABH VIDYANAGAR 388120, the Vallabh Vidyanagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UBIN0904651 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 VALLABH VIDYANAGAR branch came to be assigned the code UBIN0904651.

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 UBIN0904651, money simply cannot be routed to the VALLABH VIDYANAGAR branch electronically.

How to transfer money using IFSC UBIN0904651

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 UBIN0904651 across all three.

How to use IFSC UBIN0904651 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's VALLABH VIDYANAGAR 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 UBIN0904651.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as VALLABH VIDYANAGAR.
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 VALLABH VIDYANAGAR

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's VALLABH VIDYANAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0904651 while initiating the transfer and the credit will appear within minutes.

IMPS to Union Bank of India VALLABH VIDYANAGAR (IFSC UBIN0904651)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0904651 in your mobile or internet banking app, and the money is credited to the VALLABH VIDYANAGAR branch account within seconds.

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

All three modes accept the IFSC UBIN0904651 for Union Bank of India – VALLABH VIDYANAGAR, 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 Vallabh Vidyanagar 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 VALLABH VIDYANAGAR branch, the IFSC UBIN0904651 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 Vallabh Vidyanagar branch is mapped to IFSC UBIN0904651 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 UBIN0904651.

Products and services

Customers walking into the Vallabh Vidyanagar 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 UBIN0904651

MICR & cheque-truncation details

Cheques drawn on the Vallabh Vidyanagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0904651 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC UBIN0904651

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the VALLABH VIDYANAGAR 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 UBIN0904651 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.

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 – VALLABH VIDYANAGAR:

• The IFSC is exactly UBIN0904651 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 VALLABH VIDYANAGAR 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 Vallabh Vidyanagar branch

The branch is located at VIRAL PLAZA, P.B.NO.8 NEAR MIOTA BAZAR CIRCLE, VALLABH VIDYANAGAR 388120, which puts it inside Vallabh Vidyanagar, the broader Anand district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India Vallabh Vidyanagar branch” — the verified location pin for IFSC UBIN0904651 should appear at the top of the results.
2. Confirm the branch is open by calling 2692-239406 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 UBIN0904651 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0904651 for Union Bank of India – VALLABH VIDYANAGAR, 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 Vallabh Vidyanagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0904651, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0904651 belongs to Union Bank of India's VALLABH VIDYANAGAR branch, located at VIRAL PLAZA, P.B.NO.8 NEAR MIOTA BAZAR CIRCLE, VALLABH VIDYANAGAR 388120 in VALLABH VIDYANAGAR, 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.