IFSC Code of Union Bank of India, Zonal Office Vijayawada Branch, Andhra Pradesh

Below are the complete branch details for Union Bank of India, ZONAL OFFICE VIJAYAWADA branch, located in VIJAYAWADA, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is UBIN0988138. 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 UBIN0988138 for Union Bank of India – ZONAL OFFICE VIJAYAWADA — 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 ZONAL OFFICE VIJAYAWADA branch, the IFSC UBIN0988138 breaks down as follows: UBIN identifies the bank, 0 is the reserved character, and 988138 identifies this particular branch.

Bank profile

Union Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Zonal Office Vijayawada branch — IFSC UBIN0988138 — extends the bank's services to customers in and around Vijayawada, Andhra Pradesh.

Branch details at a glance

About the Zonal Office Vijayawada branch

The Zonal Office Vijayawada branch of Union Bank of India is situated at DNO 27 33 2 SIVANI TOWERS GUDAVALLIVARI STREET GOVERNORP VIJAYAWADA 520 002. 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 UBIN0988138 is used.

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 ZONAL OFFICE VIJAYAWADA of Union Bank of India — its own 11-character IFSC. The code UBIN0988138 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 UBIN0988138 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Zonal Office Vijayawada branch is mapped to IFSC UBIN0988138 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 UBIN0988138.

Products and services

Customers walking into the Zonal Office Vijayawada 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 UBIN0988138

How to transfer money using IFSC UBIN0988138

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 UBIN0988138 across all three.

How to use IFSC UBIN0988138 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Union Bank of India's ZONAL OFFICE VIJAYAWADA 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 UBIN0988138.
4. Confirm the bank name auto-populates as Union Bank of India and the branch as ZONAL OFFICE VIJAYAWADA.
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 ZONAL OFFICE VIJAYAWADA

If you need to transfer ₹2 lakh or more in one go to an account at Union Bank of India's ZONAL OFFICE VIJAYAWADA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UBIN0988138 while initiating the transfer and the credit will appear within minutes.

IMPS to Union Bank of India ZONAL OFFICE VIJAYAWADA (IFSC UBIN0988138)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0988138 in your mobile or internet banking app, and the money is credited to the ZONAL OFFICE VIJAYAWADA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Zonal Office Vijayawada

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 UBIN0988138:

• 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 ZONAL OFFICE VIJAYAWADA is still linked to IFSC UBIN0988138.

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 UBIN0988138

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 – ZONAL OFFICE VIJAYAWADA is still mapped to IFSC UBIN0988138. 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 UBIN0988138 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Zonal Office Vijayawada 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 UBIN0988138 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.

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 UBIN0988138 and the account number together uniquely identify the Zonal Office Vijayawada branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – ZONAL OFFICE VIJAYAWADA:

• The IFSC is exactly UBIN0988138 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 ZONAL OFFICE VIJAYAWADA 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 Zonal Office Vijayawada branch

The branch is located at DNO 27 33 2 SIVANI TOWERS GUDAVALLIVARI STREET GOVERNORP VIJAYAWADA 520 002, which puts it inside Vijayawada, the broader Vijayawada district, and the state of Andhra Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India Zonal Office Vijayawada branch” — the verified location pin for IFSC UBIN0988138 should appear at the top of the results.
2. Confirm the branch is open by calling 866-2575542 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 UBIN0988138 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0988138 for Union Bank of India – ZONAL OFFICE VIJAYAWADA, 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 Zonal Office Vijayawada branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UBIN0988138, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0988138 belongs to Union Bank of India's ZONAL OFFICE VIJAYAWADA branch, located at DNO 27 33 2 SIVANI TOWERS GUDAVALLIVARI STREET GOVERNORP VIJAYAWADA 520 002 in VIJAYAWADA, ANDHRA PRADESH. 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.