United Bank of India IFSC and MICR Code:

State wise list of United Bank of India IFSC code, MICR code and addresses of all branches in India

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United Bank of India (United Bank) IFSC Code:

United Bank Of India IFSC Code

United Bank of India IFSC Code varies from branch to branch and is primarily used to send money using fund transfer methods such as NEFT, RTGS and IMPS. IFSC, expanded and Indian Financial System Code, is made up of 11 characters, both numbers and alphabets. Each character helps identify the branch that is concerned. IFSC codes are assigned by the Reserve Bank of India (RBI).

For instance, the United Bank of India IFSC Code for the Raichur branch in Bangalore, Karnataka is UTBI0RCH900. Let us now try to understand the code better. Take the first 4 letters, ‘UTBI’, which is nothing but a short form for the name of the bank. The next number ‘zero’ is reserved for use in the future. The following 6 characters ‘RCH900’ represents the branch in Raichur. Here, it can be noted that ‘RCH’ stands for Raichur and the next 3 digits ‘900’ stands for the branch.

IFSC code is a very important aspect for net banking. Those sending money should make sure they get the right IFSC code.

  • The first 4 alphabets, ‘UTBI’ is used to identify the bank’s name, in this case – United Bank of India.
  • The 5th character is 0 as explained above.
  • The last set ‘GNJ733’ which is alpha-numeric can be used to identify the Gandhinagar Branch.

How to Locate the IFSC and MICR Codes of United Bank of India (United Bank)?

  • As you would need the IFSC and MICR codes of the bank branch you are transferring money to, you need to know more than one ways to locate the same. The easiest way would be to find the IFSC code printed on your cheque book issued by your bank branch, at the time of a new account opening.
  • RBI’s site has a tab called ‘IFSC/MICR Codes’ located on its homepage, which gives you details of all branches of all banks participating in the NEFT/RTGS network.
  • BankBazaar is a third-party website with a lot of information on all banks that are enabled with electronic fund transfer. It is an easy to browse website where you can find a tab on the bottom left corner, named ‘Bank IFSC Code’. When you click on this tab, you will asked to enter the Bank name, State, District and Branch name of the bank. You can select your choices from drop-down menus or lists given below on the respective pages. IFSC code, MICR code, address and contact number of the bank’s branch is given on entering all details.

By choosing to use NEFT and RTGS at United Bank of India, you can save yourself from all the trouble of transferring money physically. Under the patronage of RBI, United Bank of India offers you a safe and secure website for transferring your funds. Before initiating either NEFT or an RTGS transaction, you should have the following information: recipient’s name, account number, bank name, bank branch name, IFSC of the branch.

NEFT at United Bank of India:

National Electronic Funds Transfer (NEFT) allows nationwide transfer of money from sender to destination account at any time. You can send funds to another person’s account or to a firm or a corporate organization. RBI uses a Deferred Net Settlement basis to process NEFT transactions at banks. This is a process where batch-wise clearance of transactions takes place. The timings are decided by RBI and it is on an hourly basis throughout NEFT business hours.

You can send funds using the NEFT channel from all NEFT enabled bank branches of the United Bank of India on all weekdays starting from 8AM to 7PM and from 8AM to 1PM on Saturdays. United Bank of India charges its customers for outward payments at the following rates:

  • For transactions worth up to Rs.10, 000, there is no charge.
  • For transactions worth between Rs.10, 000 to Rs.1 lakh, Rs.6 is charged.
  • For transactions worth between Rs.1 lakh to Rs.2 lakh, Rs.19 is charged.
  • For transactions going above Rs.2 lakh, Rs.30 is charged.

United Bank of India also allows walk-in customers to enjoy the NEFT facility to send funds to other accounts. They can deposit up to Rs.50, 000 in cash, which can be transferred electronically.

RTGS at United Bank of India:

Real Time Gross Settlement is speedier than NEFT and is more continuous and real time. Using United Bank of India’s RTGS system, you can avail a quicker fund transfer to the desired beneficiary account, anywhere in the country at any time. There is no bunching, i.e. the instructions are not cleared in batches and hence are processed as and when there is an RTGS transaction request. Mainly preferred for transactions involving large amounts and the minimum amount that you can transfer using RTGS is Rs.2 lakh. However, there is no upper cap on RTGS transactions.

RTGS operating hours on weekdays are from 8AM to 4:30PM and 8AM to 2PM on Saturdays.

United Bank of India, formerly known as United Bank of India Ltd., was founded in 1950 and nationalized in 1969. United Bank started with 174 branches when it began and has reached a whopping 1999 number of branches and offices. United Bank is now a leading bank among the states of West Bengal, Assam, Tripura and Manipur. United Bank of India expanded its financial services to Eastern and North-eastern part of the country. With three fully equipped overseas branches in New Delhi, Kolkata and Mumbai, United Bank of India entered the league of fully computerized and equipped branches with electronic fund transfer systems across India.

News Related to United Bank of India
  • United Bank having 1.18 million Jan Dhan accounts tops the list with deposits of over Rs.1 Lakh

    Courtesy Right to Information (RTI), the blatant misuse of bank accounts opened under the Pradhan Mantri Jan Dhan Yojana (Jan Dhan) stands exposed. As per the data received, public sector undertaking United Bank of India (UBI) has disclosed a whopping 1.18 million accounts with a deposit of over Rs1 lakh in Jan Dhan accounts. This comes after there has been a clear rule that states that Jan Dhan accounts cannot have a balance of more than Rs.50,000 at any point in time. It needs to be mentioned here that Jan Dhan accounts were introduced to bring the unbanked into the banking fold and help in the direct transfer of subsidies to the beneficiaries. However, the RTI report has highlighted that very weak Know-Your-Customer (KYC) requirements have turned these accounts into money-mules during the demonetisation process to clean the unaccounted currency that individuals possessed. It is noteworthy to mention that a Jan Dhan account can be opened with the help of an Aadhaar card, a job card under the NREGA scheme or just a letter issued by a Gazetted officer that has a duly attested photograph of the person in whose name the account is to be opened.

    The RTI application which was filed by ‘Moneylife’ shows that Union Bank of India had 3,23,000 Jan Dhan accounts with deposits of over Rs.1 lakh. Next in the queue was Oriental Bank of Commerce which had 2,82,000 accounts. The number of Jan Dhan accounts in other Public Sector Banks (PSBs) range between 198 (Indian Bank) to Bank of Baroda at 79,240 that have deposits of over Rs.1 lakh. When it came to the highest number of Jan Dhan accounts with deposits between Rs.10,000 to Rs.99,000, Bank of Baroda tops the list with 1.28 million accounts with United Bank of India at coming in second with 1.01 million Jan Dhan accounts.

    As per latest data shared by PMJDY website, United Bank of India has the second highest deposits in Jan Dhan accounts after State Bank of India (SBI). While SBI has Rs.18,971.76 crore in Jan Dhan accounts, United Bank of India has Rs.8,012.02 crore.

    10 September 2018

  • United Bank of India (UBI) ties-up with IRCTC for booking train tickets

    United Bank of India (UBI) has tied up with IRCTC to offer an option to buy railway tickets through the bank's debit card. Earlier, there was an applicable service charge for booking train tickets by using the UBI's debit card. However, in the recent announcement, the bank has informed that there wouldn't be any service charge for booking tickets through the bank's debit card on the IRCTC website. The bank has decided to waive the service charges in order to promote digital transaction. Henceforth, UBI will be listed as a payment partner on the IRCTC website.

    24th February, 2017

  • United Banks Plans to Focus on South India

    To strengthen its presence in South India, United Bank of India plans to focus on this part of India. The MD and CEO of the bank said it during the inauguration of the bank’s 2018th branch in Coimbatore. The bank plans to establish 35 branches and 3 link centres before the end of this financial year. The link centres will be present in Agra, Indore and Ludhiana. In the coming fiscal year, UBI plans to add 276 additional branches. According to the MD of the bank, demonetization has resulted in an increase in deposits and CASA. He said that the bank has opened more than 3 lakh worker accounts in previous 2 years and is opening around 200 to 300 accounts on a daily basis.

    14th February, 2017

  • United Bank plans to expand operations in Central and West India

    United Bank of India plans to expand in Central and Western parts of India, according to Pawan Bajaj who is the BI Managing Director and Chief Executive Officer. According to him, the banking industry is expected to have better times from the June Quarter of next fiscal.

    He said 60% of United bank branches are in the North-East and Eastern India and that they are keen on expanding into other regions. He also said that the bank plans to get into major branch expansion in 2017-2018 and has surveyed 200 branches already. In the current fiscal 51 branches are being planned out of which 15 have been opened.

    His thoughts on the banking industry were that banks had more than enough funds bt were not able to find relevant avenues to deploy them. He believes that the banking industry expects to see better times from the June Quarter of next fiscal and credit offtake may increase from March 2017.

    17th January, 2017

  • UBI opens Zero Balance Account for tea labourers in Lakhipur and Binnakandi

    From 29th November, United Bank of India has taken the initiative to open Zero Balance Account for tea labourers in Lakhipur, and Binnakandi. ZBA is a system, designed to centralise the cash to be able to put it to better interest rates. Moin-ul Haque, the Manager of UBI, Lakhipur along with other staffs have already opened the account for more than 200 labourers. The same process was carried out in Binnakandi by B Dutta, the Manager of UBI, Binnakandi, and Jayanta Chatterjee, the Manager of Binnakandi tea estate. There are 4,000 labourers working in Binnakandi tea estate and other out gardens. UBI has opened ZBAs for 2200 labourers so far.

    7th December, 2016

  • United Bank of India to raise funds through QIP

    West Bengal’s state run lender, United Bank of India is looking to raise Rs.1,000 crore through Qualified Institutional Placement (QIP) in an effort to increase its overseas expansion. The fourth quarter of the financial year saw the bank’s net profit drop by 80% to Rs.31 crore. The fall in net profits has been attributed to the increase number of bad loans and the thinning of interest rate margins. For overseas licences banks require capital investment over and above the infrastructure cost. The bank seeks to open 10 overseas branches. The bank is looking at South Africa, Mexico, and the BRIC (Brazil, Russia, India, and China) states to start their overseas operations.

    17th November, 2016

  • United Bank of India launches real time funds transfer option

    United Bank of India has launched its real-time funds transfer facility, IMPS through its branches across the country. Previously, customers could get information on their account balance by giving a missed call; now customers can also get a mini statement of their bank account by giving a missed call on 08010968350. The bank also rolled out its OTP over voice facility wherein a customer can request for a voice OTP while making online transactions. OTP over SMS was and is still available.

    United Bank of India is one of the many nationalized popular banks of the country. The bank has a huge presence and deep rural penetration as a result of a widespread network of branches across all major cities and towns.

    29th June, 2016

  • United e-PassBook from United Bank of India

    United Bank of India (UBI)’s e-PassBook hit the market under the bank’s attempt to go the digital way to make banking an easier and joyful experience for their clientele. Mr. P Srinivas, the CEO and MD of the lender unveiled the ‘ÚnitedePassBook’ in the event, graced by the presence of the Executive Directors, Mr. Sanjay Arya, Ms. K V Rama Moorthy and other high-ranking bank officials. Mr. Srinivas talked of how UBI has always endeavored to deliver diverse technology driven financial products and services to their sizable clientele to augment the simplicity and comfort of day to day banking. This will facilitate the users to see the account activities on their phone without having to call at their branch. You can even see the details of all the electronic money transactions you have conducted via NEFT and/ or RTGS using IFSC Code in this. Download the e-Passbook from Google Play Store. Along with all the features of a usual passbook, you can also add your own remarks to transactions.

    4th February, 2016

  • United Bank Starts Its Own Facebook page

    In a unique move to develop a strong social media presence and also make folks aware of its new and innovative products, the United Bank of India has started its official Facebook page. The bank headquartered in Kolkata has always been popular with the rural and urban customers alike. The page, www.facebook.com/UnitedBankOfIndiaOfficial, will post regular updates on their products, services, new offers, events organized for and by the Bank, competitions, promotions and more, as per the press releases issued by the bank. Giving a speech during the event, the CEO & MD of the bank, Mr. P Srinivas, has highlighted the attempts of the bank to keep up to date with the modern technology and current trends. The way forward is digital banking.

    26th November, 2015

  • United Bank of India Spreads Latest Profit in Share Market

    United Bank of India’s stock rates spiked up 2.69 percent to INR 24.80 on BSE. In the meantime, the S&P BSE Sensex was leading by 14.53 points or 0.05 percent at INR 27,884.89. On BSE, 2.25 lakh stocks were merchandised in the counter hitherto as against average volume per day, which is 79,515 shares in the last one quarter. The shares hit a high of INR 25.30 and a low of INR 24.40 up to now and that of United Bank of India have grown 15.08 percent in three business days. In addition to the aggressive move to expand its branch network (and in turn, the IFSC codes across India), United Bank of India’s positive exploits in the stock markets is definitely signs of good times that are yet to come.

    28th August, 2015

United Bank of India Alipurduar Branch United Bank of India Gariahat Kolkata Branch United Bank of India Habra Branch
United Bank of India High Court Kolkata Branch United Bank of India Indiranagar Bangalore branch United Bank of India Royal Exchange Kolkata Branch
United Bank of India Sahabanchak Branch United Bank of India Salt Lake Kolkata Branch United Bank of India Vikaspuri Delhi Branch
United Bank of India Assam Gramin Vikas Bank Branch United Bank of India Balaji Nagar Branch United Bank of India Bangalore Cantonment Branch
United Bank of India Behala Branch United Bank of India Bholakpur Branch United Bank of India Bhubaneswar Region Branch
United Bank of India Bongaon Majuli Branch United Bank of India Burdwan Branch United Bank of India Central Park Branch
United Bank of India Chandni Chowk Cuttack Branch United Bank of India City Centre Durgapur Branch United Bank of India College Street Branch
United Bank of India Cr Park Branch United Bank of India Dum Dum Park Branch United Bank of India Electronic City Branch
United Bank of India Falakata Branch United Bank of India Ganapathay Coimbatore Branch United Bank of India Gandhidham Kandla Branch
United Bank of India Ghaziabad Branch United Bank of India Gopalganj Branch United Bank of India Gora Bazar Branch
United Bank of India Hyderabad Karimnagar Branch United Bank of India Jagannath Area MCL Branch United Bank of India Jatindra Mohan Branch
United Bank of India Kankar Danga More Branch United Bank of India Kolkata Lalbazar Branch United Bank of India Machipur Branch
United Bank of India Mahboobnagar Branch United Bank of India Meerut Regional Office Branch United Bank of India Midnapore Branch
United Bank of India Noida branch United Bank of India Nungambakkam Branch United Bank of India Old Court House Street Branch
United Bank of India Peelamedu Branch United Bank of India Pratapgarh Branch United Bank of India Raipur Region Branch
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United Bank of India Topsia Branch United Bank of India Yelahanka Branch


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